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Original filing (PDF)20251014171055NAL0003475201001
FOUR M COMMERCIAL OPERATIONS LLC
Form 5500
FILING_RECEIVED
FOUR M 401(K) PLAN
401(k) retirement plan
Signals · 1
44% in single holding
Active participants
494
Accounts w/ balance
180
Plan assets (EOY)
$14.7M
Net assets (EOY)
$14.7M
How this plan invests
This plan
2 pooled trusts
Schedule D
27 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
85
/ 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
78
Total plan cost
80
Vendor stack
100
Participation health
65
Knocking points off
- Top holding "Fidelity Growth Company K6 Fund Mutual Funds" is 44% of plan.
- 39 bps in Schedule C fees — modestly above peer band of 29 bps.
- Only 36% as many balances as active participants — suggests many active employees aren't deferring.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for FOUR M COMMERCIAL OPERATIONS LLC.
Plan sponsor
Name
FOUR M COMMERCIAL OPERATIONS LLC
EIN
84-5002024
Address
7 RENAISSANCE SQ. 5TH FLOOR · WHITE PLAINS, NY · 10601
Phone
(914) 747-2552
Industry
Manufacturingsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
003
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3H · Sponsor in controlled / affiliated group
3D · Pre-approved plan (master / prototype / VS)
2E · Profit-sharing
Audit & trust (Schedule H)
Auditor
CBIZ CPAS PC
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 | $22K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WORLD INVESTMENT ADVISORS LLC | 61-1758632 | — | ADVISOR | $28K | — |
| STRATEGIC ADVISORS, INC. | 04-2654524 | — | ADVISOR | $8K | — |
Investments
26 direct securities · 2 pooled funds· $14.5M(99% 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.
Uncategorized
$14.0M
26 holdings
Common Collective Trust
$517K
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Growth Company K6 Fund Mutual Funds | — | — | — | $6.4M | 43.7% | |
| Fidelity Freedom 2035 Mutual Funds | — | — | — | $1.1M | 7.3% | |
| Fidelity Freedom 2030 Mutual Funds | — | — | — | $892K | 6.1% | |
| Fidelity 500 Index Mutual Funds | — | — | — | $876K | 5.9% | |
| Janus Henderson Enterprise Fund Class N Mutual Funds | — | — | — | $568K | 3.9% | |
| PGIM Jennison Small Company Fund Class R6 Mutual Funds 293 Putnam Large Cap Value Fund Class R6 Mutual Funds | — | — | — | $563K | 3.8% | |
| PUTNAM STABLE VALUE PUTNAM FIDUCIARY TRUST COMPANY · EIN 04-3159710 / PN 202 | Common Collective Trust | — | — | $517K | 3.5% | |
| Victory Sycamore Established Value Fund Class I Mutual Funds | — | — | — | $505K | 3.4% | |
| Fidelity Freedom 2020 Mutual Funds | — | — | — | $504K | 3.4% | |
| Calvert Equity Fund Class I Mutual Funds 773 Carillon Reams Core Plus Bond Fund Class I Mutual Funds | — | — | — | $470K | 3.2% | |
| Fidelity International Index Fund Mutual Funds | — | — | — | $390K | 2.6% | |
| Fidelity Freedom 2050 Mutual Funds | — | — | — | $348K | 2.4% | |
| Calvert Bond Fund Class I Mutual Funds | — | — | — | $300K | 2.0% | |
| Fidelity Freedom 2045 Mutual Funds | — | — | — | $263K | 1.8% | |
| Fidelity Freedom 2025 Mutual Funds | — | — | — | $249K | 1.7% | |
| Fidelity Freedom 2040 Mutual Funds | — | — | — | $246K | 1.7% | |
| American Funds New World Fund Class R-6 Mutual Funds | — | — | — | $99K | 0.7% | |
| Fidelity Freedom 2065 Mutual Funds | — | — | — | $79K | 0.5% | |
| Fidelity Freedom 2060 Mutual Funds | — | — | — | $78K | 0.5% | |
| Fidelity Freedom 2055 Mutual Funds | — | — | — | $27K | 0.2% | |
| Goldman Sachs International Equity ESG Fund Class R6 Mutual Funds 893 Invesco Small Cap Value Fund Class R6 Mutual Funds | — | — | — | $21K | 0.1% | |
| Fidelity Mid Cap Index Fund Mutual Funds | — | — | — | $9K | <0.1% | |
| Fidelity Small Cap Index Fund Mutual Funds | — | — | — | $9K | <0.1% | |
| Fidelity Freedom 2010 Mutual Funds | — | — | — | $5K | <0.1% | |
| Fidelity Freedom Income Fund Mutual Funds | — | — | — | $3K | <0.1% | |
| Cohen & Steers Real Estate Securities Fund, Inc. Class Z Mutual Funds | — | — | — | $2K | <0.1% | |
| Fidelity Freedom 2015 Mutual Funds | — | — | — | $2K | <0.1% | |
| MIP CL 1 FIDELITY MANAGEMENT TRUST COMPANY · EIN 04-3022712 / PN 024 | Common Collective Trust | — | — | $0 | <0.1% |
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