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Original filing (PDF)20251015141033NAL0004785457001
WINE.COM
Form 5500
FILING_RECEIVED
WINE.COM RETIREMENT TRUST
401(k) retirement plan
Signals · 1
1 failed disclosure
Active participants
150
Accounts w/ balance
211
Plan assets (EOY)
$14.7M
Net assets (EOY)
$14.7M
How this plan invests
This plan
23 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
87
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
85
Concentration risk
100
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- 1 Schedule C provider failed to disclose compensation.
- 57 bps in Schedule C fees — 98% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for WINE.COM.
Plan sponsor
Name
WINE.COM
DBA
WINE.COM
EIN
83-2539821
Address
2756 ALVARADO STREET · SAN LEANDRO, CA · 94577
Phone
(415) 291-9500
Industry
Retail Tradesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-15
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
BPM LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $40K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| THREE BELL CAPITAL | 45-3567626 | — | INVESTMENT ADVISOR | $24K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BPM LLC | 81-4234542 | — | ACCOUNTANT/AUDITOR | $20K | — |
Failed / refused disclosures (Sched C Part 2)
| Provider | Nondisclosure info |
|---|---|
| — | — |
Investments
23 direct securities· $14.7M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Growth Index Fund Mutual fund | — | — | — | $2.2M | 15.2% | |
| American Funds Target Date 2040 Fund Mutual fund | — | — | — | $1.8M | 12.3% | |
| American Funds Target Date 2030 Fund Mutual fund | — | — | — | $1.7M | 11.7% | |
| Vanguard 500 Index Fund Mutual fund | — | — | — | $1.5M | 10.1% | |
| American Funds Target Date 2050 Fund Mutual fund | — | — | — | $1.1M | 7.7% | |
| Vanguard Mid-Cap Index Fund Mutual fund | — | — | — | $1.1M | 7.5% | |
| American Funds Target Date 2045 Fund Mutual fund | — | — | — | $842K | 5.7% | |
| American Funds Target Date 2055 Fund Mutual fund | — | — | — | $803K | 5.5% | |
| American Funds Target Date 2035 Fund Mutual fund | — | — | — | $653K | 4.4% | |
| Vanguard Developed Market Index Fund Mutual fund | — | — | — | $572K | 3.9% | |
| Vanguard Federal Money Market Fund Cash equivalent - Money market fund | — | — | — | $400K | 2.7% | |
| Vanguard Intermediate-Term Bond Index Fund Mutual fund | — | — | — | $396K | 2.7% | |
| American Funds Target Date 2025 Fund Mutual fund | — | — | — | $254K | 1.7% | |
| American Funds Target Date 2060 Fund Mutual fund | — | — | — | $244K | 1.7% | |
| Vanguard Equity Income Index Fund Mutual fund | — | — | — | $204K | 1.4% | |
| Vanguard Small Cap Index Fund Mutual fund | — | — | — | $184K | 1.3% | |
| Participant loans 5.25% - 10.50%, various maturities through 2029 | — | — | — | $175K | 1.2% | |
| American Funds Target Date 2015 Fund Mutual fund | — | — | — | $169K | 1.1% | |
| American Funds Target Date 2020 Fund Mutual fund | — | — | — | $109K | 0.7% | |
| PIMCO Income Fund Mutual fund | — | — | — | $99K | 0.7% | |
| Vanguard Real Estate Index Fund Mutual fund | — | — | — | $63K | 0.4% | |
| Fidelity Emerging Markets Funds Mutual fund | — | — | — | $44K | 0.3% | |
| DFA International Small Cap Value Fund Mutual fund | — | — | — | $16K | 0.1% |
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