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Original filing (PDF)20250916112959NAL0002450688001
ENCORE GROUP (USA), LLC
Form 5500
FILING_RECEIVED
ENCORE GROUP (USA) LLC RETIREMENT SAVINGS PLAN
401(k) retirement plan
Active participants
10,531
Accounts w/ balance
11,662
Plan assets (EOY)
$453.2M
Net assets (EOY)
$453.2M
How this plan invests
This plan
13 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)
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 ENCORE GROUP (USA), LLC.
Plan sponsor
Name
ENCORE GROUP (USA), LLC
EIN
13-4025666
Address
5100 N. RIVER ROAD, SUITE 300 · SCHILLER PARK, IL · 60176
Phone
(800) 876-5141
Industry
Real Estatesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
003
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-09-16
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
SIKICH CPA LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | 06-1050034 | GREENWOOD VILLAGE, CO | RECORDKEEPER7 | $658K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES INC DBA | 36-4291971 | CLEVELAND, OH | ADVISOR | $80K | — |
Accountant / Auditor
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| P&M HOLDING GROUP LLP DBA PLANTE | 38-1357951 | CHICAGO, IL | AUDITOR | $44K | — |
| SIKICH CPA LLC | — | ALEXANDRIA, VA | AUDITOR | $7K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ADVISED ASSETS GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $27K | — |
Investments
16 direct securities · 13 pooled funds· $445.8M(98% 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
$337.8M
13 holdings
Uncategorized
$106.5M
15 holdings
Mutual Funds
$1.6M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| THE VANGUARD TARGET RETIRE 2045 TRU VANGUARD COLLECTIVE INVESTMENT TRUST FUNDS · EIN 90-6083972 / PN 001 | Common Collective Trust | — | — | $53.4M | 11.8% | |
| THE VANGUARD TARGET RETIRE 2035 TRU VANGUARD COLLECTIVE INVESTMENT TRUST FUNDS · EIN 90-6083976 / PN 001 | Common Collective Trust | — | — | $50.3M | 11.1% | |
| THE VANGUARD TARGET RETIRE 2050 TRU VANGUARD COLLECTIVE INVESTMENT TRUST FUNDS · EIN 90-6083970 / PN 001 | Common Collective Trust | — | — | $48.5M | 10.7% | |
| THE VANGUARD TARGET RETIRE 2040 TRU VANGUARD COLLECTIVE INVESTMENT TRUST FUNDS · EIN 90-6083974 / PN 001 | Common Collective Trust | — | — | $46.3M | 10.2% | |
| THE VANGUARD TARGET RETIRE 2030 TRU VANGUARD COLLECTIVE INVESTMENT TRUST FUNDS · EIN 90-6083978 / PN 001 | Common Collective Trust | — | — | $40.2M | 8.9% | |
| Fidelity Investments Fidelity 500 Index | — | — | — | $37.6M | 8.3% | |
| THE VANGUARD TARGET RETIRE 2055 TRU VANGUARD COLLECTIVE INVESTMENT TRUST FUNDS · EIN 27-6715091 / PN 001 | Common Collective Trust | — | — | $33.9M | 7.5% | |
| THE VANGUARD TARGET RETIRE 2025 TRU VANGUARD COLLECTIVE INVESTMENT TRUST FUNDS · EIN 90-6083980 / PN 001 | Common Collective Trust | — | — | $23.1M | 5.1% | |
| THE VANGUARD TARGET RETIRE 2060 TRU VANGUARD COLLECTIVE INVESTMENT TRUST FUNDS · EIN 45-3799419 / PN 001 | Common Collective Trust | — | — | $17.5M | 3.9% | |
| William Blair William Blair Growth I | — | — | — | $14.9M | 3.3% | |
| Fidelity Investments Fidelity Total Market Index | — | — | — | $14.2M | 3.1% | |
| THE VANGUARD TARGET RETIRE 2020 TRU VANGUARD COLLECTIVE INVESTMENT TRUST FUNDS · EIN 90-6083982 / PN 001 | Common Collective Trust | — | — | $8.3M | 1.8% | |
| PUTNAM STABLE VALUE FUND PUTNAM INVESTMENTS · EIN 04-3159710 / PN 202 | Common Collective Trust | — | — | $5.8M | 1.3% | |
| Fidelity Investments Fidelity Mid Cap Index | — | — | — | $5.6M | 1.2% | |
| THE VANGUARD TARGET RETIRE 2065 TRU VANGUARD COLLECTIVE INVESTMENT TRUST FUNDS · EIN 82-6194314 / PN 001 | Common Collective Trust | — | — | $5.5M | 1.2% | |
| Fidelity Investments Fidelity Total International Index | — | — | — | $5.5M | 1.2% | |
| Vanguard Federal Money Market Investor | — | — | — | $5.1M | 1.1% | |
| American Funds American Funds Washington Mutual R6 | — | — | — | $4.9M | 1.1% | |
| THE VANGUARD TARGET RETIRE INCM TRU VANGUARD COLLECTIVE INVESTMENT TRUST FUNDS · EIN 90-6083967 / PN 001 | Common Collective Trust | — | — | $4.4M | 1.0% | |
| Fidelity Investments Fidelity U.S. Bond Index | — | — | — | $3.7M | 0.8% | |
| American Funds American Funds EuroPacific Growth R6 | — | — | — | $3.5M | 0.8% | |
| Fidelity Investments Fidelity Small Cap Index | — | — | — | $3.4M | 0.8% | |
| PIMCO Total Return Institutional | — | — | — | $3.1M | 0.7% | |
| Dimensional Fund Advisors DFA Inflation-Protected Securities I | — | — | — | $1.8M | 0.4% | |
| and Money Market Mutual Fund Alliance Bernstein AB Small Cap Growth Z | Mutual Funds | — | — | $1.6M | 0.4% | |
| Vanguard International Value | — | — | — | $1.5M | 0.3% | |
| Allspring Global Allspring Special Small Cap Value R6 | — | — | — | $1.1M | 0.3% | |
| Vanguard Group Vanguard Target Retirement 2070 Trust II | — | — | — | $471K | 0.1% | |
| VAN TGT RETIRE 2070 TRUST II VANGUARD COLLECTIVE INVESTMENT TRUST FUNDS · EIN 87-7039453 / PN 001 | Common Collective Trust | — | — | $471K | 0.1% |
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