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Original filing (PDF)20251015142742NAL0002450723001
SPRUCE TECHNOLOGY, INC.
Form 5500
FILING_RECEIVED
SPRUCE TECHNOLOGY, INC. 401(K) PLAN
401(k) retirement plan
Active participants
195
Accounts w/ balance
132
Plan assets (EOY)
$6.1M
Net assets (EOY)
$6.1M
How this plan invests
This plan
1 pooled trust
Schedule D
34 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
97
/ 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
100
Participation health
80
Knocking points off
- 68% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SPRUCE TECHNOLOGY, INC..
Plan sponsor
Name
SPRUCE TECHNOLOGY, INC.
EIN
20-5656502
Address
1149 BLOOMFIELD AVENUE, SUITE G · CLIFTON, NJ · 07012
Phone
(862) 225-9300
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
2025-10-15
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
P&K CPAS LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ADP, INC. | 13-3036745 | — | RECORD KEEPER | $23K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CADARET GRANT & CO INC | 22-2361254 | — | INVESTMENT/FINANCIAL ADVI | $13K | — |
Investments
33 direct securities · 1 pooled fund· $6.0M(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.
Registered Investment Companies
$5.8M
33 holdings
Common Collective Trust
$228K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| VAN TARGET RETIRE 2035 | Registered Investment Companies | — | — | $1.1M | 17.8% | |
| VAN TARGET RETIRE 2045 | Registered Investment Companies | — | — | $770K | 12.6% | |
| VAN TARGET RETIRE 2050 | Registered Investment Companies | — | — | $715K | 11.7% | |
| VAN TARGET RETIRE 2030 | Registered Investment Companies | — | — | $572K | 9.3% | |
| STATE ST EQUITY 500 INDEX K | Registered Investment Companies | — | — | $554K | 9.1% | |
| VAN TARGET RETIRE 2040 | Registered Investment Companies | — | — | $528K | 8.6% | |
| VAN TARGET RETIRE 2025 | Registered Investment Companies | — | — | $255K | 4.2% | |
| INVESCO STABLE ASSET - ADPZ INVESCO TRUST COMPANY · EIN 27-3884161 / PN 001 | Common Collective Trust | — | — | $228K | 3.7% | |
| ISHARES US AGGREGATE BD IDX K | Registered Investment Companies | — | — | $178K | 2.9% | |
| VAN TARGET RETIRE 2055 | Registered Investment Companies | — | — | $159K | 2.6% | |
| VAN STRATEGIC EQUITY - INV | Registered Investment Companies | — | — | $118K | 1.9% | |
| VANGUARD SM CAP VAL INDEX ADM | Registered Investment Companies | — | — | $111K | 1.8% | |
| VAN TARGET RETIRE 2020 | Registered Investment Companies | — | — | $101K | 1.7% | |
| VANGUARD SMALL CAP INDEX ADMRL | Registered Investment Companies | — | — | $101K | 1.7% | |
| VAN TARG RETIRE 2060 | Registered Investment Companies | — | — | $98K | 1.6% | |
| VANGUARD INFO TECH IDX ADMIRAL | Registered Investment Companies | — | — | $78K | 1.3% | |
| PIONEER FUNDAMENTAL GROWTH K | Registered Investment Companies | — | — | $73K | 1.2% | |
| AMERICAN FUNDS WAMU - R6 | Registered Investment Companies | — | — | $37K | 0.6% | |
| T. ROWE PRICE DIVIDEND GR I | Registered Investment Companies | — | — | $36K | 0.6% | |
| VAN TARGET RETIRE INC | Registered Investment Companies | — | — | $33K | 0.5% | |
| BLACKROCK TOTAL RETURN K | Registered Investment Companies | — | — | $27K | 0.4% | |
| JANUS HENDERSON TRITON FUND N | Registered Investment Companies | — | — | $23K | 0.4% | |
| AMERFUNDS AMER BALANCED - R6 | Registered Investment Companies | — | — | $18K | 0.3% | |
| MFS VALUE R6 | Registered Investment Companies | — | — | $17K | 0.3% | |
| T ROWE PRICE SMALL CAP VALUE I | Registered Investment Companies | — | — | $17K | 0.3% | |
| VANGUARD COMM SVC IDX ADM 21 REGISTERED INVESTMENT COMPANY ALS SPECIAL SMALL CAP VALUE R6 | Registered Investment Companies | — | — | $12K | 0.2% | |
| VAN TARG RETIRE 2065 | Registered Investment Companies | — | — | $8K | 0.1% | |
| VANGUARD FINANCIALS INDEX ADM | Registered Investment Companies | — | — | $6K | <0.1% | |
| T ROWE PRICE OVERSEAS STOCK | Registered Investment Companies | — | — | $6K | <0.1% | |
| ISHARES MSCI EAFE INTL INDEX K | Registered Investment Companies | — | — | $5K | <0.1% | |
| VANGUARD HEALTH CARE FUND ADM | Registered Investment Companies | — | — | $3K | <0.1% | |
| ISHARES RUSSELL MIDCAP INDEX K | Registered Investment Companies | — | — | $3K | <0.1% | |
| VANGUARD REAL ESTATE INDEX ADM | Registered Investment Companies | — | — | $3K | <0.1% | |
| VANGUARD MATERIALS INDEX ADM | Registered Investment Companies | — | — | $3K | <0.1% |