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Original filing (PDF)20251027115801NAL0005619409001
THE WESTERN UNION COMPANY
Form 5500
FILING_RECEIVED
THE WESTERN UNION COMPANY INCENTIVE SAVINGS PLAN
401(k) retirement plan
Signals · 2
No recordkeeper disclosed10 service providers
Active participants
1,368
Accounts w/ balance
2,743
Plan assets (EOY)
$446.9M
Net assets (EOY)
$446.9M
How this plan invests
This plan
15 pooled trusts
Schedule D
35 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
98
/ 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
100
Vendor stack
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for THE WESTERN UNION COMPANY.
Plan sponsor
Name
THE WESTERN UNION COMPANY
EIN
20-4531180
Address
7001 E. BELLEVIEW AVE., HQ-14 · DENVER, CO · 80237
Phone
(720) 332-0159
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
2025-10-27
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2R · Participant-directed brokerage (SDBA)
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
BAKER TILLY US,LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
10 rowsOther
10| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SCHWAB RETIREMENT PLAN SERVICES,INC | 34-1479833 | — | NONE | $144K | — |
| INNOVEST PORTFOLIO SOLUTIONS L | 84-1612955 | — | NONE | $75K | — |
| VANTAGE CONSULTING | 54-1333680 | — | NONE | $60K | — |
| FISHER INVESTMENTS | 20-2480800 | — | NONE | $34K | — |
| NORTHERN TRUST COMPANY | 36-1561860 | — | NONE | $31K | — |
| MOSS ADAMS LLP | 91-0189318 | — | NONE | $17K | — |
| FINANCIAL ENGINES ADVISORS LLC | 77-0473565 | — | NONE | $13K | — |
| LIFEPRO ASSET MANAGEMENT LLC | 81-3712834 | — | NONE | $10K | — |
| FLEXIBLE PLAN INVESTMENTS LTD | 38-2340348 | — | NONE | $9K | — |
| CHARLES SCHWAB & CO., INC. | 94-1737782 | — | NONE | $2K | — |
Investments
18 direct securities · 15 pooled funds· $516.8M(100% 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
$308.8M
18 holdings
Common Collective Trust
$207.9M
15 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Schwab S&P 500 Index Fund Mutual fund | — | — | — | $84.8M | 19.0% | |
| SCHWAB INDEXED RET TRUST FUND 2040 CHARLES SCHWAB TRUST BANK · EIN 81-0625169 / PN 017 | Common Collective Trust | — | — | $43.0M | 9.6% | |
| Mainstay Large Cap Growth R1 Fund Mutual fund | — | — | — | $37.0M | 8.3% | |
| MAINSTAY WINSLOW LGCAP GRTH R1 Registered Investment Company | — | — | — | $37.0M | 8.3% | |
| SCHWAB INDEXED RET TRUST FUND 2050 CHARLES SCHWAB TRUST BANK · EIN 81-0625169 / PN 019 | Common Collective Trust | — | — | $35.1M | 7.9% | |
| SCHWAB INDEXED RET TRUST FUND 2030 CHARLES SCHWAB TRUST BANK · EIN 81-0625169 / PN 015 | Common Collective Trust | — | — | $29.8M | 6.7% | |
| PCRA Self-Directed Brokerage Account | — | — | — | $26.8M | 6.0% | |
| Personal Choice Retirement Self-directed accounts | — | — | — | $25.2M | 5.6% | |
| WESTERN UNION STABLE VALUE FUND WELLS FARGO BANK N.A. · EIN 52-2250939 / PN 001 | Common Collective Trust | — | — | $22.2M | 5.0% | |
| Metropolitan West Total Return Bond Fund Mutual fund | — | — | — | $21.4M | 4.8% | |
| BlackRock Equity Dividend CL1 Mutual fund | — | — | — | $20.3M | 4.5% | |
| DFA US Small Cap Value Port Mutual fund | — | — | — | $20.0M | 4.5% | |
| T. Rowe Price International Stock Mutual fund | — | — | — | $19.2M | 4.3% | |
| ALLSPRING DIS SMIDCPGR CIT E2 SEI TRUST COMPANY · EIN 45-7019649 / PN 001 | Common Collective Trust | — | — | $18.9M | 4.2% | |
| SCHWAB INDEXED RET TRUST FUND 2055 CHARLES SCHWAB TRUST BANK · EIN 81-0625169 / PN 021 | Common Collective Trust | — | — | $17.5M | 3.9% | |
| SCHWAB INDEXED RET TRUST FUND 2045 CHARLES SCHWAB TRUST BANK · EIN 81-0625169 / PN 018 | Common Collective Trust | — | — | $13.6M | 3.0% | |
| SCHWAB INDEXED RET TRUST FUND 2020 CHARLES SCHWAB TRUST BANK · EIN 81-0625169 / PN 013 | Common Collective Trust | — | — | $9.0M | 2.0% | |
| OUTSIDE ASSET - Other Assets | — | — | — | $6.1M | 1.4% | |
| SCHWAB INDEXED RET TRUST FUND 2060 CHARLES SCHWAB TRUST BANK · EIN 81-0625169 / PN 023 | Common Collective Trust | — | — | $5.9M | 1.3% | |
| SCHWAB INDEXED RET TRUST FUND 2035 CHARLES SCHWAB TRUST BANK · EIN 81-0625169 / PN 016 | Common Collective Trust | — | — | $5.9M | 1.3% | |
| Biopharma Credit Investments Partnership/joint venture | — | — | $3.1M | $4.0M | 0.9% | |
| various maturity dates through January 2050, * Participant loans secured by participants’ vested accounts — | — | — | — | $3.8M | 0.8% | |
| SCHWAB INDEXED RET TRUST FUND 2010 CHARLES SCHWAB TRUST BANK · EIN 81-0625169 / PN 011 | Common Collective Trust | — | — | $2.4M | 0.5% | |
| SCHWAB INDEXED RET TRUST FUND 2065 CHARLES SCHWAB TRUST BANK · EIN 81-0625169 / PN 025 | Common Collective Trust | — | — | $2.2M | 0.5% | |
| SCHWAB INDEXED RET TRUST FUND 2025 CHARLES SCHWAB TRUST BANK · EIN 81-0625169 / PN 014 | Common Collective Trust | — | — | $2.0M | 0.4% | |
| Personal Choice Retirement 2 Self-directed accounts | — | — | — | $1.6M | 0.4% | |
| WI Harper Partnership/joint venture | — | — | $1.4M | $1.0M | 0.2% | |
| GOVERNMENT ST INVESTMENT FUND NORTHERN TRUST INVESTMENTS, INC. · EIN 45-6138589 / PN 068 | Common Collective Trust | — | $412K | $413K | <0.1% | |
| ADC Therapeutics Common stock | — | — | $2.3M | $334K | <0.1% | |
| Highcape Partners Partnership/joint venture | — | — | $473K | $206K | <0.1% | |
| SCHWAB INDEXED RET TRUST FUND 2015 CHARLES SCHWAB TRUST BANK · EIN 81-0625169 / PN 012 | Common Collective Trust | — | — | $193K | <0.1% | |
| The Western Union Company Stock Fund *** Common stock | — | — | — | $161K | <0.1% | |
| Auven Therapeutics Partnership/joint venture | — | — | $320K | $135K | <0.1% |