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Original filing (PDF)20251008125244NAL0005569985001
NATIONS FINEST
Form 5500
FILING_RECEIVED
NATION'S FINEST RETIREMENT PLAN
401(k) retirement plan
Signals · 2
~80 bps in Sched C feesNo recordkeeper disclosed
Active participants
239
Accounts w/ balance
305
Plan assets (EOY)
$2.8M
Net assets (EOY)
$2.8M
How this plan invests
This plan
26 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
80
Participation health
100
Knocking points off
- 80 bps in Schedule C fees — 54% 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 NATIONS FINEST.
Plan sponsor
Name
NATIONS FINEST
EIN
94-2699571
Address
2455 BENNETT VALLEY RD · C105 · SANTA ROSA, CA · 95404
Phone
(707) 623-1757
Industry
Other Services (ex. Public Admin)see 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
2025-10-08
Pension benefit codes
2E · Profit-sharing
2J · 401(k) feature
2F · ERISA section 404(c)
2G · Total participant-directed accounts
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
BAKER TILLY US, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| KESTRA ADVISORY SERVICES | 47-1566880 | AUSTIN, TX | INVESTMENT ADVISOR | $6K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| THE VANGUARD GROUP, INC. | 23-1945930 | MALVERN, PA | CONTRACT ADMINISTRATOR | $9K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES | 26-4823657 | WALNUT CREEK, CA | ADMINISTRATIVE SERVICES | $6K | — |
Investments
26 direct securities· $2.8M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2040 Fund Registered Investment Company | — | — | — | $485K | 17.6% | |
| Vanguard Target Retirement 2045 Fund Registered Investment Company | — | — | — | $331K | 12.0% | |
| Vanguard Target Retirement 2060 Fund Registered Investment Company | — | — | — | $296K | 10.7% | |
| Vanguard Target Retirement 2050 Fund Registered Investment Company | — | — | — | $240K | 8.7% | |
| Vanguard Target Retirement 2025 Fund Registered Investment Company | — | — | — | $223K | 8.1% | |
| Vanguard Target Retirement 2035 Fund Registered Investment Company | — | — | — | $198K | 7.2% | |
| Vanguard Target Retirement 2030 Fund Registered Investment Company | — | — | — | $173K | 6.3% | |
| Vanguard Target Retirement 2055 Fund Registered Investment Company | — | — | — | $172K | 6.2% | |
| Fidelity 500 Index Fund Registered Investment Company | — | — | — | $149K | 5.4% | |
| JPMorgan Large Cap Growth R6 Registered Investment Company | — | — | — | $141K | 5.1% | |
| Vanguard Target Retirement 2020 Fund Registered Investment Company | — | — | — | $123K | 4.5% | |
| Vanguard Target Retirement 2065 Fund Registered Investment Company | — | — | — | $96K | 3.5% | |
| Vanguard Federal Money Market Inv Registered Investment Company | — | — | — | $32K | 1.2% | |
| Vanguard Target Retirement Income Fund Registered Investment Company | — | — | — | $18K | 0.7% | |
| Vanguard Long-Term Investment Grade Adm Registered Investment Company | — | — | — | $13K | 0.5% | |
| Fidelity Mid Cap Index Registered Investment Company | — | — | — | $12K | 0.4% | |
| Vanguard Target Retirement 2070 Fund Registered Investment Company | — | — | — | $11K | 0.4% | |
| Fidelity Small Cap Index Registered Investment Company | — | — | — | $10K | 0.4% | |
| American Century Small Cap Gr R6 Registered Investment Company | — | — | — | $9K | 0.3% | |
| American Funds Bond Fund of Amer R6 Registered Investment Company | — | — | — | $7K | 0.3% | |
| Vanguard International Growth Adm Registered Investment Company | — | — | — | $7K | 0.2% | |
| Fidelity Small Cap Growth K6 Registered Investment Company | — | — | — | $6K | 0.2% | |
| State Street Gl All Cap Eq ex-U.S. K Registered Investment Company | — | — | — | $3K | 0.1% | |
| Franklin Small-Mid Cap Growth R6 Registered Investment Company | — | — | — | $3K | 0.1% | |
| Fidelity Advisor Intl Small Cap I Registered Investment Company ** 414 American Funds Inflation Linked Bd R6 Registered Investment Company | — | — | — | $2K | <0.1% | |
| Vanguard Windsor II Adm Registered Investment Company | — | — | — | $2K | <0.1% |
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