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Original filing (PDF)20250822141033NAL0005357745001
SPEAR EDUCATION, LLC
Form 5500
FILING_RECEIVED
SPEAR EDUCATION 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
174
Accounts w/ balance
264
Plan assets (EOY)
$13.6M
Net assets (EOY)
$13.6M
How this plan invests
This plan
28 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
80
Participation health
100
Knocking points off
- 49 bps in Schedule C fees — 70% 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 SPEAR EDUCATION, LLC.
Plan sponsor
Name
SPEAR EDUCATION, LLC
EIN
20-8610060
Address
7201 E. PRINCESS BLVD. · SCOTTSDALE, AZ · 85255
Phone
(866) 781-0072
Industry
Educational Servicessee 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
2025-08-22
Pension benefit codes
2E · Profit-sharing
2J · 401(k) feature
2K · 401(m) arrangement
2F · ERISA section 404(c)
2G · Total participant-directed accounts
3D · Pre-approved plan (master / prototype / VS)
2T · Default investment account (QDIA)
3B · Covers self-employed individuals
Audit & trust (Schedule H)
Auditor
CLIFTONLARSONALLEN LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CREATIVE PLANNING, INC. | 43-1270780 | — | N/A | $38K | — |
| AT RETIREMENT SERVICES, LLC | 83-3455979 | — | N/A | $30K | — |
Investments
28 direct securities· $13.6M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2045 Inv | — | — | — | $2.9M | 21.5% | |
| Mid Atlantic Trust Company FDIC Insured Deposit | — | — | — | $1.3M | 9.9% | |
| iShares S&P 500 Index | — | — | — | $1.2M | 9.1% | |
| Vanguard Target Retirement 2040 Inv | — | — | — | $1.2M | 9.0% | |
| Vanguard Target Retirement 2025 Inv | — | — | — | $1.1M | 7.9% | |
| Fidelity Large Cap Growth Index | — | — | — | $976K | 7.2% | |
| Vanguard Target Retirement 2055 Inv | — | — | — | $937K | 6.9% | |
| Vanguard Target Retirement 2050 Inv | — | — | — | $850K | 6.3% | |
| Vanguard Target Retirement 2035 Inv | — | — | — | $700K | 5.2% | |
| Vanguard Mid Cap Index Adm | — | — | — | $307K | 2.3% | |
| Vanguard Target Retirement 2060 Inv | — | — | — | $297K | 2.2% | |
| Vanguard Target Retirement 2065 Inv | — | — | — | $266K | 2.0% | |
| Vanguard Target Retirement 2030 Inv | — | — | — | $219K | 1.6% | |
| Vanguard Developed Markets Index Adm | — | — | — | $211K | 1.6% | |
| Vanguard Emerging Markets Stock Index Adm | — | — | — | $204K | 1.5% | |
| Fidelity Large Cap Value Index | — | — | — | $154K | 1.1% | |
| Vanguard Small Cap Index Adm | — | — | — | $150K | 1.1% | |
| Vanguard Intermediate Term Bond Index Adm | — | — | — | $93K | 0.7% | |
| Vanguard FTSE All-Wld Ex-US Small Cap Index Adm | — | — | — | $76K | 0.6% | |
| Vanguard REIT Index Adm | — | — | — | $76K | 0.6% | |
| Fidelity Small Cap Value Index | — | — | — | $71K | 0.5% | |
| Vanguard Target Retirement 2020 Inv | — | — | — | $53K | 0.4% | |
| Participants Participant Loans Rates from 5.25% to 10.50% - | — | — | — | $42K | 0.3% | |
| Fidelity Mid Cap Value Index 278 Fidelity Small Cap Growth Index | — | — | — | $34K | 0.3% | |
| Fidelity Mid Cap Growth Index | — | — | — | $34K | 0.3% | |
| Vanguard Target Retirement Income | — | — | — | $19K | 0.1% | |
| DFA Inflation Protected Securities I | — | — | — | $18K | 0.1% | |
| DFA Intermediate Govt Fixed Income I | — | — | — | $9K | <0.1% |
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