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Original filing (PDF)20251015221847NAL0007395264001
MERUELO GROUP LLC
Form 5500
FILING_RECEIVED
MERUELO GROUP 401(K) PLAN AND TRUST
401(k) retirement plan
Signals · 1
7 service providers
Active participants
3,458
Accounts w/ balance
3,988
Plan assets (EOY)
$124.5M
Net assets (EOY)
$124.5M
How this plan invests
This plan
15 pooled trusts
Schedule D
53 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
100
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- 18 bps in Schedule C fees — 80% above peer band of 10 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for MERUELO GROUP LLC.
Plan sponsor
Name
MERUELO GROUP LLC
EIN
90-1017707
Address
9550 FIRESTONE BLVD STE 105 · DOWNEY, CA · 902415560
Phone
(562) 745-2300
Industry
Management of Companies / Holdingssee 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
2K · 401(m) arrangement
3H · Sponsor in controlled / affiliated group
2E · Profit-sharing
2J · 401(k) feature
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
BAKER TILLY US, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
7 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $118K | — |
Broker
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CAPITAL SYNERGY PARTNERS | — | NEWPORT BEACH, CA | BROKER/ADVISER | $0 | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BAKER TILLY US LLP | — | MADISON, WI | AUDITOR | $22K | — |
Other
4| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MARILYN RYDING | — | LA QUINTA, CA | OTHER | $64K | — |
| THE RETIREMENT COMPANY INC DBA THE | — | WESTLAKE VILLAGE, CA | CONSULTING | $12K | — |
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $8K | — |
| ALLIANT INSURANCE SERVICES INC | — | NEW YORK, NY | OTHER | $494 | — |
Investments
38 direct securities · 15 pooled funds· $124.5M(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
$87.6M
13 holdings
Uncategorized
$28.5M
37 holdings
Mutual Funds
$7.2M
1 holding
Pooled Separate Account
$1.1M
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| T ROWE PRICE RET BLEND SEL TR 2025 GREAT GRAY · EIN 38-7271343 / PN 737 | Common Collective Trust | — | — | $15.1M | 12.1% | |
| T ROWE PRICE RET BLEND SEL TR 2035 GREAT GRAY · EIN 38-7271345 / PN 739 | Common Collective Trust | — | — | $14.9M | 11.9% | |
| T ROWE PRICE RET BLEND SEL TR 2030 GREAT GRAY · EIN 38-7271344 / PN 738 | Common Collective Trust | — | — | $13.2M | 10.6% | |
| Fully Benefit-Responsive Investment Contract * SAGIC Diversified Bond II Guaranteed Interest Contract N/R | — | — | — | $10.0M | 8.1% | |
| T ROWE PRICE RET BLEND TR 2040 GREAT GRAY · EIN 38-7271346 / PN 740 | Common Collective Trust | — | — | $9.5M | 7.6% | |
| T ROWE PRICE RET BLEND SEL TR 2045 GREAT GRAY · EIN 38-7271347 / PN 741 | Common Collective Trust | — | — | $8.0M | 6.5% | |
| T ROWE PRICE RET BLEND SEL TR 2050 GREAT GRAY · EIN 38-7271348 / PN 742 | Common Collective Trust | — | — | $7.5M | 6.0% | |
| BlackRock iShares S&P 500 Index K N/R | Mutual Funds | — | — | $7.2M | 5.8% | |
| T ROWE PRICE RET BLEND SEL TR 2020 GREAT GRAY · EIN 38-7271342 / PN 736 | Common Collective Trust | — | — | $6.6M | 5.3% | |
| T ROWE PRICE RET BLEND SEL TR 2055 GREAT GRAY · EIN 38-7271349 / PN 743 | Common Collective Trust | — | — | $5.0M | 4.0% | |
| Vanguard Growth Index Admiral N/R | — | — | — | $4.3M | 3.5% | |
| T ROWE PRICE RET BLEND SEL TR 2060 GREAT GRAY · EIN 38-7271350 / PN 744 | Common Collective Trust | — | — | $3.8M | 3.1% | |
| T ROWE PRICE RET BLEND SEL TR 2015 GREAT GRAY · EIN 38-7271341 / PN 735 | Common Collective Trust | — | — | $2.6M | 2.1% | |
| Participant Loans * Participant Loans Interest rates: 4.25% - 9.50% $0 | — | — | — | $2.4M | 1.9% | |
| Vanguard Total Intl Stock Index Admiral N/R | — | — | — | $1.3M | 1.0% | |
| Vanguard Value Index Admiral N/R | — | — | — | $1.2M | 1.0% | |
| Vanguard Total Bond Market Index Admiral N/R | — | — | — | $1.1M | 0.9% | |
| JP Morgan JPMorgan US Equity R6 N/R | — | — | — | $998K | 0.8% | |
| T ROWE PRICE BLUE CHIP GROWTH FUND JET BLUE · EIN 06-1050034 / PN 864 | Pooled Separate Account | — | — | $930K | 0.7% | |
| T ROWE PRICE RET BLEND SEL TR 2010 GREAT GRAY · EIN 38-7264570 / PN 734 | Common Collective Trust | — | — | $927K | 0.7% | |
| Vanguard Small-Cap Index Admiral N/R | — | — | — | $700K | 0.6% | |
| Vanguard Mid-Cap Value Index Admiral N/R | — | — | — | $508K | 0.4% | |
| Vanguard Mid-Cap Growth Index Admiral N/R | — | — | — | $487K | 0.4% | |
| American Funds American Funds Washington Mutual R6 N/R | — | — | — | $393K | 0.3% | |
| Fidelity Inflation Protected Bond Index N/R | — | — | — | $385K | 0.3% | |
| Vanguard Mid-Cap Index Fund Admiral N/R | — | — | — | $374K | 0.3% | |
| Vanguard Small-Cap Value Index Admiral N/R | — | — | — | $372K | 0.3% | |
| DFA Global DFA Global Real Estate Securities N/R | — | — | — | $322K | 0.3% | |
| T ROWE PRICE RET BLEND SEL TR 2005 GREAT GRAY · EIN 38-7264569 / PN 733 | Common Collective Trust | — | — | $282K | 0.2% | |
| American Funds American Funds New World R6 N/R | — | — | — | $271K | 0.2% | |
| Hartford Schroders International Stock N/R | — | — | — | $269K | 0.2% | |
| Vanguard Balanced Index Admiral N/R | — | — | — | $267K | 0.2% | |
| MassMutual Small-Cap Opportunity N/R | — | — | — | $265K | 0.2% | |
| Vanguard Lifestrategy Conservative Growth Inv N/R | — | — | — | $251K | 0.2% | |
| PGIM High-Yield R6 N/R | — | — | — | $245K | 0.2% | |
| Thornburg Strategic Income R6 N/R | — | — | — | $244K | 0.2% | |
| American Funds American Funds Bond Fund of America R6 N/R | — | — | — | $214K | 0.2% | |
| CAPITAL GROUP EUROPACIFIC GROWTH SA CAPITAL GROUP · EIN 95-6597294 / PN 661 | Pooled Separate Account | — | — | $208K | 0.2% | |
| Vanguard Small-Cap Growth Index Admiral N/R | — | — | — | $208K | 0.2% | |
| American Funds American Funds Capital World Bond R6 N/R | — | — | — | $198K | 0.2% | |
| Vanguard Lifestrategy Moderate Growth N/R | — | — | — | $197K | 0.2% | |
| MassMutual Mid-Cap Growth N/R | — | — | — | $167K | 0.1% | |
| Vanguard Lifestrategy Growth Inv N/R | — | — | — | $151K | 0.1% | |
| American Funds American Funds Preservation Port R6 N/R | — | — | — | $136K | 0.1% | |
| American Funds American Funds Small-Cap World R6 N/R | — | — | — | $118K | <0.1% | |
| MFS Mid-Cap Value R6 N/R | — | — | — | $113K | <0.1% | |
| JP Morgan JPMorgan Small-Cap Growth R6 N/R | — | — | — | $112K | <0.1% | |
| Invesco Main Street Mid-Cap R6 N/R | — | — | — | $96K | <0.1% | |
| T ROWE PRICE RET BLEND SEL TR 2065 GREAT GRAY · EIN 38-7271351 / PN 745 | Common Collective Trust | — | — | $82K | <0.1% | |
| MassMutual US Government Money Market Fund N/R | — | — | — | $80K | <0.1% | |
| MassMutual Select Trp Retirement Balanced N/R | — | — | — | $67K | <0.1% | |
| Franklin Small-Cap Value R6 N/R | — | — | — | $54K | <0.1% | |
| American Century American Century One Choice: Very Con N/R | — | — | — | $4K | <0.1% |