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Original filing (PDF)20251014134357NAL0001479699004
FITLAB, INC.
Form 5500
FILING_RECEIVED
FITLAB 401(K) PLAN
401(k) retirement plan
Signals · 2
28% in single holding~76 bps in Sched C fees
Active participants
264
Accounts w/ balance
286
Plan assets (EOY)
$3.7M
Net assets (EOY)
$3.7M
How this plan invests
This plan
24 pooled trusts
Schedule D
23 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
92
/ 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
100
Concentration risk
86
Total plan cost
80
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "My Retirement Path Moderate 2045 R Common/Collective Trust" is 28% of plan.
- 76 bps in Schedule C fees — modestly above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for FITLAB, INC..
Plan sponsor
Name
FITLAB, INC.
EIN
83-2980335
Address
401 30TH STREET · NEWPORT BEACH, CA · 92663
Phone
(626) 484-1969
Industry
Wholesale 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
2025-10-14
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
LEE CPA AUDIT GROUP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | — | RECORDKEEPER | $11K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ACCELERATE INVESTMENT ADVISORS LLC | — | — | INVESTMENT ADVISOR | $17K | — |
| NFP RETIREMENT INC | — | — | INVESTMENT ADVISOR | — | — |
Investments
9 direct securities · 24 pooled funds· $3.8M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Common Collective Trust
$3.3M
24 holdings
Uncategorized
$432K
9 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| MRP MODERATE 2045 I GREAT GRAY · EIN 38-4116823 / PN 497 | Common Collective Trust | — | — | $1.1M | 28.1% | |
| MRP MODERATE 2055 R GREAT GRAY · EIN 38-4116824 / PN 498 | Common Collective Trust | — | — | $961K | 25.7% | |
| BLACKROCK EQUITY INDEX 1 GREAT GRAY · EIN 20-3802168 / PN 001 | Common Collective Trust | — | — | $352K | 9.4% | |
| MRP AGGR 2045 R GREAT GRAY · EIN 38-4097344 / PN 492 | Common Collective Trust | — | — | $253K | 6.8% | |
| MRP MODERATE 2035 R GREAT GRAY · EIN 38-4116822 / PN 496 | Common Collective Trust | — | — | $208K | 5.6% | |
| BLACKROCK EAFE EQUITY INDEX 1 GREAT GRAY · EIN 20-3802495 / PN 007 | Common Collective Trust | — | — | $184K | 4.9% | |
| Fully Benefit-Responsive Investment Contracts Principal Guaranteed Option Fully Benefit-Responsive Investment Contract ** $ | — | — | — | $142K | 3.8% | |
| LARGE CAP GROWTH I1 GREAT GRAY · EIN 82-4435820 / PN 375 | Common Collective Trust | — | — | $88K | 2.3% | |
| Fidelity Mid Cap Index Registered Investment Company | — | — | — | $76K | 2.0% | |
| Fixed Annuities Key Guaranteed Portfolio Fund Fixed Annuity | — | — | — | $64K | 1.7% | |
| MRP AGGR 2055 R GREAT GRAY · EIN 38-4097345 / PN 493 | Common Collective Trust | — | — | $61K | 1.6% | |
| BLACKROCK U.S. DEBT INDEX 1 GREAT GRAY · EIN 20-3802445 / PN 010 | Common Collective Trust | — | — | $52K | 1.4% | |
| Fidelity Small Cap Index Registered Investment Company | — | — | — | $42K | 1.1% | |
| INT GROWTH FUND II CLASS I1 GREAT GRAY · EIN 38-4139842 / PN 619 | Common Collective Trust | — | — | $37K | 1.0% | |
| SMALL CAP VALUE FUND II CL I1 GREAT GRAY · EIN 38-4097325 / PN 488 | Common Collective Trust | — | — | $32K | 0.8% | |
| Registered Investment Companies American Century Equity Income R6 Registered Investment Company | — | — | — | $29K | 0.8% | |
| American Century Small Cap Growth R6 Registered Investment Company | — | — | — | $29K | 0.8% | |
| My Retirement Path Aggr 2035 R Common/Collective Trust | — | — | — | $25K | 0.7% | |
| MRP MODERATE 2035 I GREAT GRAY · EIN 38-4097343 / PN 453 | Common Collective Trust | — | — | $25K | 0.7% | |
| Fidelity Real Estate Index Registered Investment Company | — | — | — | $17K | 0.5% | |
| MRP AGGR RET R GREAT GRAY · EIN 38-4097341 / PN 489 | Common Collective Trust | — | — | $13K | 0.3% | |
| MRP MODERATE RETIREMENT R GREAT GRAY · EIN 38-4097346 / PN 494 | Common Collective Trust | — | — | $10K | 0.3% | |
| CORE BOND I1 GREAT GRAY · EIN 82-1986152 / PN 325 | Common Collective Trust | — | — | $8K | 0.2% | |
| Participant Loans Interest Rates at 5.25% $0 | — | — | — | $8K | 0.2% | |
| MRP AGGR 2035 I GREAT GRAY · EIN 38-4097300 / PN 448 | Common Collective Trust | — | — | $0 | <0.1% | |
| MRP AGGR 2045 I GREAT GRAY · EIN 38-4097301 / PN 449 | Common Collective Trust | — | — | $0 | <0.1% | |
| MID CAP VALUE I1 GREAT GRAY · EIN 38-4139852 / PN 630 | Common Collective Trust | — | — | $0 | <0.1% | |
| MRP MODERATE 2045 R GREAT GRAY · EIN 38-4116823 / PN 497 | Common Collective Trust | — | — | $0 | <0.1% | |
| MRP MODERATE 2055 I GREAT GRAY · EIN 38-4097307 / PN 455 | Common Collective Trust | — | — | $0 | <0.1% | |
| MRP AGGR 2035 R GREAT GRAY · EIN 38-4097343 / PN 491 | Common Collective Trust | — | — | $0 | <0.1% | |
| MRP AGGR RET I GREAT GRAY · EIN 38-4097298 / PN 446 | Common Collective Trust | — | — | $0 | <0.1% | |
| MRP MODERATE RETIREMENT I GREAT GRAY · EIN 38-4097303 / PN 451 | Common Collective Trust | — | — | $0 | <0.1% | |
| MRP AGGR 2055 I GREAT GRAY · EIN 38-4097302 / PN 450 | Common Collective Trust | — | — | $0 | <0.1% |
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