Back to filter
Original filing (PDF)20251014184204NAL0001766579001
HELP USA, INC.
Form 5500
FILING_RECEIVED
HELP USA, INC. EMPLOYEES' RETIREMENT PLAN
401(k) retirement plan
Signals · 3
29% in single holding~90 bps in Sched C feesNo recordkeeper disclosed
Active participants
1,147
Accounts w/ balance
1,885
Plan assets (EOY)
$37.6M
Net assets (EOY)
$37.6M
How this plan invests
This plan
3 pooled trusts
Schedule D
36 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 "Principal Financial Group Principal LifeTime 2030 R5 Fund N/R" is 29% of plan.
- 90 bps in Schedule C fees — 212% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for HELP USA, INC..
Plan sponsor
Name
HELP USA, INC.
EIN
13-3922973
Address
115 E 13TH STREET · NEW YORK, NY · 10003
Phone
(212) 400-7000
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
2025-10-14
Pension benefit codes
2A · Age/service weighted or new comparability
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)
Audit & trust (Schedule H)
Auditor
BAKER TILLY US, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsTPA / Administrator
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $241K | — |
| PRIME PENSIONS, INC. | 46-1224594 | — | CONTRACT ADMINISTRATOR | $91K | — |
| HELP USA INC | 13-3922973 | — | CONTRACT ADMINISTRATOR | $8K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MML INVESTORS SERVICES LLC | 04-2746212 | — | OTHER | $0 | — |
Investments
33 direct securities · 3 pooled funds· $35.8M(95% 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
$34.2M
32 holdings
Pooled Separate Account
$1.5M
3 holdings
Mutual Funds
$42K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Principal Financial Group Principal LifeTime 2030 R5 Fund N/R | — | — | — | $10.5M | 28.0% | |
| Principal Financial Group Principal LifeTime 2040 R5 Fund N/R | — | — | — | $8.4M | 22.3% | |
| Principal Financial Group Principal LifeTime 2050 R5 Fund N/R | — | — | — | $5.2M | 13.7% | |
| Principal Financial Group Principal LifeTime 2020 R5 Fund N/R | — | — | — | $3.1M | 8.4% | |
| Principal Financial Group Principal LifeTime 2060 R5 Fund N/R | — | — | — | $2.4M | 6.4% | |
| Option Participant Loans * Participant Loans Interest rates: 4.25% - 9.50% $0 | — | — | — | $1.3M | 3.4% | |
| PRIN LGCP S&P 500 INDEX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 016 | Pooled Separate Account | — | — | $1.2M | 3.1% | |
| Fully Benefit-Responsive Investment Contract * Guaranteed Investment Contract Principal Fixed Income Guaranteed N/R | — | — | — | $769K | 2.0% | |
| BlackRock High Yield Bond K Fund N/R | — | — | — | $410K | 1.1% | |
| Principal Financial Group Principal LifeTime Strategic Income R5 N/R | — | — | — | $346K | 0.9% | |
| Fund Harbor Capital Appreciation Retirement N/R | — | — | — | $318K | 0.8% | |
| Institutional Fund Fidelity Investments Fidelity Advantage Tech Z Fund N/R | — | — | — | $253K | 0.7% | |
| PRIN MIDCAP S&P 400 IDX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 023 | Pooled Separate Account | — | — | $192K | 0.5% | |
| American Funds American Funds EuroPacific Growth R6 N/R | — | — | — | $183K | 0.5% | |
| R6 Fund American Funds American Funds New Perspective R6 N/R | — | — | — | $159K | 0.4% | |
| PRIN SMCAP S&P 600 INDEX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 028 | Pooled Separate Account | — | — | $154K | 0.4% | |
| Vanguard Group Vanguard Industrial Index Admiral Fund N/R | — | — | — | $125K | 0.3% | |
| Dimensional Fund Advisors DFA Emerging Markets Small Cap I N/R | — | — | — | $104K | 0.3% | |
| Lord Abbett Lord Abbett Short Duration Income R6 N/R 111 Fund PGIM Investments PGIM Total Return Bond R6 Fund N/R | — | — | — | $92K | 0.2% | |
| Principal Financial Group Principal LifeTime 2070 R5 Fund N/R | — | — | — | $92K | 0.2% | |
| BlackRock Mid-Cap Growth Equity K N/R | — | — | — | $90K | 0.2% | |
| Fidelity Investments Fidelity Advantage Megacap Stock Z N/R | — | — | — | $62K | 0.2% | |
| Vanguard Group Vanguard Info Tech Index Admiral Fund N/R | — | — | — | $59K | 0.2% | |
| Hedged) I Fund PIMCO Real Return Institutional Fund N/R | — | — | — | $47K | 0.1% | |
| Dimensional Fund Advisors DFA US Vector Equity Portfolio N/R | — | — | — | $45K | 0.1% | |
| Allspring Global Investments Allspring Spec Small Cap Value R6 N/R | Mutual Funds | — | — | $42K | 0.1% | |
| Fund Invesco Comstock R6 Fund N/R | — | — | — | $41K | 0.1% | |
| Fund Dimensional Fund Advisors DFA US Small Cap Growth Instl Fund N/R | — | — | — | $38K | 0.1% | |
| Fund Cohen & Steers Cohen & Steers Real Estate Securities N/R | — | — | — | $38K | 0.1% | |
| Fund American Funds American Funds Fundamental Investors N/R | — | — | — | $35K | <0.1% | |
| PIMCO Income Institutional Fund N/R | — | — | — | $29K | <0.1% | |
| Fund T. Rowe Price T. Rowe Price Health Science I Fund N/R | — | — | — | $9K | <0.1% | |
| Z Fund Columbia Management Advisors Columbia Div Income I3 Fund N/R | — | — | — | $8K | <0.1% | |
| Columbia Management Advisors Columbia Overseas Value I3 Fund N/R | — | — | — | $8K | <0.1% | |
| Fund Artisan Partners Artisan Global Discovery L Fund N/R | — | — | — | $6K | <0.1% | |
| PIMCO International Bond (US Dollar- N/R | — | — | — | $4K | <0.1% |