Original filing (PDF)20251009114144NAL0003871603001

ZERO MOTORCYCLES

Name: ZERO MOTORCYCLES — ZERO MOTORCYCLES, INC. 401(K) PLAN, Form 5500 (2024)
Creator: ZERO MOTORCYCLES

Form 5500

FILING_RECEIVED

ZERO MOTORCYCLES, INC. 401(K) PLAN

401(k) retirement plan

Active participants

205

Accounts w/ balance

245

Plan assets (EOY)

$21.1M

Net assets (EOY)

$21.1M

How this plan invests

This plan

38 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score (directional)

/ 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

Vendor stack

100

Participation health

100

Knocking points off

54 bps in Schedule C fees — 88% above peer band of 29 bps.

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for ZERO MOTORCYCLES.

Plan sponsor

Name

ZERO MOTORCYCLES

EIN

20-4016877

Address

380 EL PUEBLO ROAD · SCOTTS VALLEY, CA · 95066

Phone

(831) 438-3500

Industry

Retail Tradesee 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

2025-10-09

Pension benefit codes

2E · Profit-sharing

2F · ERISA section 404(c)

2G · Total participant-directed accounts

2J · 401(k) feature

2K · 401(m) arrangement

2T · Default investment account (QDIA)

3D · Pre-approved plan (master / prototype / VS)

Audit & trust (Schedule H)

Auditor

ARMANINO LLP

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

2 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
FIDELITY INVESTMENTS INSTITUTIONAL	04-2647786	—	RECORDKEEPER	$48K	—

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
MORGAN STANLEY SMITH BARNEY LLC	20-8764829	—	INVESTMENT ADVISOR	$67K	—

Investments

38 direct securities· $21.1M(100% of reported assets)

Investment	Type	Shares / units	Cost	Current value	% of plan
FID 500 INDEX	—	17,979.342	$2.5M	$3.7M	17.4%
VANG TARGET RET 2040	—	49,240.143	$1.9M	$2.1M	10.1%
VANG TARGET RET 2050	—	40,155.675	$1.7M	$2.0M	9.5%
VANG TARGET RET 2035	—	76,115.529	$1.6M	$1.8M	8.7%
VANG TARGET RET 2045	—	58,821.351	$1.6M	$1.7M	8.3%
VANG TARGET RET 2055	—	30,667.743	$1.4M	$1.7M	8.1%
VANG TARGET RET 2030	—	37,283.67	$1.3M	$1.4M	6.7%
VANG TARGET RET 2060	—	23,980.85	$1.0M	$1.2M	5.8%
FID GOVT MMKT	—	804,343.74	$804K	$804K	3.8%
FID CONTRAFUND	—	30,505.026	$468K	$642K	3.0%
FID MID CAP IDX	—	12,307.229	$323K	$416K	2.0%
VANG TARGET RET 2025	—	20,151.032	$381K	$377K	1.8%
FID PURITAN	—	11,968.89	$278K	$297K	1.4%
FID SM CAP IDX	—	9,734.033	$220K	$269K	1.3%
VICTORY S ESTB VAL I	—	4,945.474	$219K	$227K	1.1%
J H TRITON N	—	8,056.833	$237K	$222K	1.1%
COL SEL LG CP VAL I3	—	6,031.904	$189K	$214K	1.0%
BLKRK HI YLD INST	—	25,621.01	$187K	$182K	0.9%
FID US BOND IDX	—	17,496.14	$193K	$179K	0.8%
AF GLOBAL BAL R6	—	4,230.598	$146K	$155K	0.7%
VANG TARGET RET INC	—	11,834.536	$157K	$155K	0.7%
JPM MID CAP GRTH I	—	2,928.51	$134K	$146K	0.7%
OUTSTANDING LOAN BALANCE	—	—	—	$145K	0.7%
FID INTL INDEX	—	2,902.866	$127K	$138K	0.7%
ALGER CAP APPREC I	—	2,989.027	$119K	$131K	0.6%
VANG INTL GROWTH ADM	—	1,116.638	$130K	$113K	0.5%
FID DIVIDEND GR	—	2,796.53	$92K	$107K	0.5%
VANG TARGET RET 2020	—	2,811.753	$83K	$74K	0.4%
DODGE & COX INCOME I	—	4,511.188	$58K	$56K	0.3%
CALVERT SMALL CAP I	—	1,486.778	$48K	$55K	0.3%
TCW MW TOT RTN BD I	—	4,637.582	$48K	$41K	0.2%
CALV US LG CP CRI I	—	799.233	$33K	$41K	0.2%
FID REAL ESTATE IDX	—	2,480.358	$38K	$40K	0.2%
UM BEHAVIORAL VAL R6	—	448.099	$34K	$38K	0.2%
TRP INTL VALUE EQ I	—	1,786.894	$28K	$30K	0.1%
TCHSTN NONUSESG EQ A	—	994.113	$25K	$24K	0.1%
PARNASSUS MID CAP IS	—	610.16	$18K	$23K	0.1%
INVS DEVELOP MKT Y	—	573.566	$23K	$22K	0.1%