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Original filing (PDF)20251014160335NAL0001627843001
VETNCARE MSO LLC
Form 5500
FILING_RECEIVED
VETNCARE MSO LLC 401(K) PLAN
401(k) retirement plan
Signals · 3
30% in single holding~86 bps in Sched C feesNo recordkeeper disclosed
Active participants
216
Accounts w/ balance
152
Plan assets (EOY)
$4.1M
Net assets (EOY)
$4.1M
How this plan invests
This plan
21 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
86
/ 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
85
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "PIMCO RealPath Bld 2050 Institutional" is 30% of plan.
- 86 bps in Schedule C fees — 65% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for VETNCARE MSO LLC.
Plan sponsor
Name
VETNCARE MSO LLC
EIN
92-0316672
Address
160 FRANKLIN STREET, SUITE 300 · OAKLAND, CA · 94607
Phone
(510) 400-5045
Industry
Professional & Technical Servicessee 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
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
LBMC, PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| HAUSER RETIREMENT | 36-4906731 | — | INVESTMENT ADVISORY | $9K | — |
TPA / Administrator
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $23K | — |
| CREATIVE RETIREMENT SYSTEMS | 31-1299207 | — | THIRD PARTY ADMINISTRATO | $4K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MORNINGSTAR INVESTMENT MANAGEMENT L | 36-4317381 | — | INV ADV, PARTICIPANTS | $0 | — |
Investments
21 direct securities· $4.1M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| PIMCO RealPath Bld 2050 Institutional | — | — | — | $1.2M | 29.8% | |
| PIMCO RealPath Bld 2045 Institutional | — | — | — | $556K | 13.5% | |
| PIMCO RealPath Bld 2040 Institutional | — | — | — | $506K | 12.2% | |
| PIMCO RealPath Bld 2035 Institutional | — | — | — | $397K | 9.6% | |
| PIMCO RealPath Bld 2055 Institutional | — | — | — | $322K | 7.8% | |
| PIMCO RealPath Bld 2060 Institutional | — | — | — | $321K | 7.8% | |
| PIMCO RealPath Bld 2065 Institutional | — | — | — | $301K | 7.3% | |
| PIMCO RealPath Bld Inc Institutional | — | — | — | $186K | 4.5% | |
| Fidelity 500 Index | — | — | — | $121K | 2.9% | |
| through October 2029 - | — | — | — | $79K | 1.9% | |
| PIMCO RealPath Bld 2025 Institutional | — | — | — | $39K | 0.9% | |
| PIMCO RealPath Bld 2030 Institutional | — | — | — | $27K | 0.7% | |
| Hartford International Opp R6 | — | — | — | $9K | 0.2% | |
| iShare Russell Md-Cap Index K | — | — | — | $7K | 0.2% | |
| MFS International Growth R6 | — | — | — | $6K | 0.1% | |
| Nuveen Small Cap Bl Index R6 | — | — | — | $4K | <0.1% | |
| BlackRock Equity Dividend K | — | — | — | $4K | <0.1% | |
| Fidelity Adv Small Cap Value Z ** 530 JP Morgan US Equity R6 | — | — | — | $3K | <0.1% | |
| Nuveen Emerging Mkts Equity Index | — | — | — | $3K | <0.1% | |
| American Century Ultra R6 ** 577 American Century Diversified Bond R6 | — | — | — | $1K | <0.1% | |
| PIMCO Income Institutional | — | — | — | $1K | <0.1% |
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