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Original filing (PDF)20250911115015NAL0001147634001
CYTEL INC.
Form 5500
FILING_RECEIVED
CYTEL INC. RETIREMENT PLAN
401(k) retirement plan
Active participants
518
Accounts w/ balance
813
Plan assets (EOY)
$75.0M
Net assets (EOY)
$75.0M
How this plan invests
This plan
2 pooled trusts
Schedule D
28 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
95
/ 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
80
Vendor stack
100
Participation health
100
Knocking points off
- 21 bps in Schedule C fees — modestly above peer band of 16 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CYTEL INC..
Plan sponsor
Name
CYTEL INC.
EIN
04-2955676
Address
675 MASSACHUSETTS AVE · CAMBRIDGE, MA · 02139
Phone
(410) 591-4427
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
2025-09-11
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
CARON & BLETZER
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $83K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CAPFINANCIAL PARTNERS LLC DBA | — | RALEIGH, NC | INVESTMENT ADVISOR | $30K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CARON & BLETZER, PLLC | — | KINGSTON, NH | AUDITOR | $17K | — |
Legal counsel
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MARATHAS BARROW WEATHERHEAD LENT | — | BOSTON, MA | ATTORNEY | $7K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $24K | — |
Investments
26 direct securities · 2 pooled funds· $74.3M(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
$73.9M
26 holdings
Common Collective Trust
$403K
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2040 " | — | — | — | $10.3M | 13.8% | |
| Vanguard Target Retirement 2045 " | — | — | — | $8.8M | 11.8% | |
| Vanguard Institutional Index Institutional " | — | — | — | $8.6M | 11.4% | |
| Vanguard Target Retirement 2050 " | — | — | — | $7.9M | 10.6% | |
| Vanguard Target Retirement 2035 " | — | — | — | $6.5M | 8.6% | |
| Vanguard Target Retirement 2055 " | — | — | — | $5.9M | 7.9% | |
| Vanguard Target Retirement 2030 " | — | — | — | $5.6M | 7.5% | |
| Vanguard Target Retirement 2025 " | — | — | — | $4.1M | 5.4% | |
| Vanguard US Growth Admiral " | — | — | — | $3.3M | 4.4% | |
| Vanguard Total International Stock Index Admiral " | — | — | — | $1.7M | 2.3% | |
| EI Fixed Account - Series Class VI Guaranteed investment contract | — | — | — | $1.4M | 1.8% | |
| Vanguard Small Cap Index Admiral " | — | — | — | $1.2M | 1.7% | |
| Fidelity U.S. Sustainability Index Institutional " | — | — | — | $1.2M | 1.6% | |
| Vanguard Target Retirement 2060 " | — | — | — | $1.1M | 1.5% | |
| Vanguard International Growth Admiral " | — | — | — | $1.0M | 1.4% | |
| Vanguard Target Retirement 2020 " | — | — | — | $802K | 1.1% | |
| Vanguard Target Retirement Income " | — | — | — | $718K | 1.0% | |
| Vanguard Total Bond Market Index Admiral " | — | — | — | $691K | 0.9% | |
| Vanguard Real Estate Index Admiral " | — | — | — | $686K | 0.9% | |
| DFA Inflation-Protected Securities Mutual fund | — | — | — | $611K | 0.8% | |
| Vanguard Mid Cap Index Fund Admiral " | — | — | — | $454K | 0.6% | |
| Fidelity Stock Selector Small Cap " | — | — | — | $432K | 0.6% | |
| JPMorgan U.S. Value " | — | — | — | $331K | 0.4% | |
| MFS MID CAP GROWTH FUND CT GREAT GRAY · EIN 38-4126294 / PN 597 | Common Collective Trust | — | — | $306K | 0.4% | |
| Vanguard Target Retirement 2065 " | — | — | — | $194K | 0.3% | |
| Voya Intermediate Bond " | — | — | — | $146K | 0.2% | |
| MFS MID CAP VALUE FUND CT GREAT GRAY · EIN 38-4139822 / PN 616 | Common Collective Trust | — | — | $97K | 0.1% | |
| Vanguard Target Retirement 2070 " | — | — | — | $67K | <0.1% |
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