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Original filing (PDF)20251015160552NAL0010203170001
UST GLOBAL INC
Form 5500
FILING_RECEIVED
UST GLOBAL INC 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
3,713
Accounts w/ balance
4,604
Plan assets (EOY)
$169.6M
Net assets (EOY)
$169.6M
How this plan invests
This plan
15 pooled trusts
Schedule D
36 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
- 31 bps in Schedule C fees — 213% above peer band of 10 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for UST GLOBAL INC.
Plan sponsor
Name
UST GLOBAL INC
EIN
26-1539797
Address
5 POLARIS WAY · ALISO VIEJO, CA · 926565374
Phone
(949) 345-3253
Industry
Custom Computer Programming· 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
2A · Age/service weighted or new comparability
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
STEPHENS, REIDINGER & BELLER LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MORGAN STANLEY GLOBAL BA | 20-8764829 | — | INVESTMENT ADVISORY | $135K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $396K | — |
Investments
21 direct securities · 15 pooled funds· $169.6M(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.
Common Collective Trust
$105.4M
15 holdings
Uncategorized
$64.2M
21 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| T. ROWE PRICE RTM 2045 TR CL A T. ROWE PRICE TRUST COMPANY · EIN 32-6199848 / PN 001 | Common Collective Trust | — | — | $24.2M | 14.3% | |
| T. ROWE PRICE RTM 2050 TR CL A T. ROWE PRICE TRUST COMPANY · EIN 30-6303214 / PN 001 | Common Collective Trust | — | — | $19.1M | 11.2% | |
| T. ROWE PRICE RTM 2040 TR CL A T. ROWE PRICE TRUST COMPANY · EIN 35-6941729 / PN 001 | Common Collective Trust | — | — | $15.6M | 9.2% | |
| Fidelity Adv Growth Opp Z Fund Mutual Fund | — | — | — | $14.3M | 8.4% | |
| T. ROWE PRICE RTM 2035 TR CL A T. ROWE PRICE TRUST COMPANY · EIN 36-7595013 / PN 001 | Common Collective Trust | — | — | $13.4M | 7.9% | |
| Fidelity 500 Index Fund Mutual Fund | — | — | — | $10.3M | 6.0% | |
| T. ROWE PRICE RTM 2055 TR CL A T. ROWE PRICE TRUST COMPANY · EIN 35-6941728 / PN 001 | Common Collective Trust | — | — | $8.9M | 5.3% | |
| T. ROWE PRICE RTM 2030 TR CL A T. ROWE PRICE TRUST COMPANY · EIN 38-7010946 / PN 001 | Common Collective Trust | — | — | $8.0M | 4.7% | |
| T. ROWE PRICE RTM 2025 TR CL A T. ROWE PRICE TRUST COMPANY · EIN 37-6495447 / PN 001 | Common Collective Trust | — | — | $5.6M | 3.3% | |
| Schwab Fundamental US Large Company Index Fund Mutual Fund | — | — | — | $5.5M | 3.3% | |
| Gabelli US Treasury MM AAA Fd Mutual Fund | — | — | — | $4.2M | 2.5% | |
| Fidelity Mid Cp Index Fund Mutual Fund | — | — | — | $3.4M | 2.0% | |
| T ROWE PRICE RTM 2060 TR CL A T. ROWE PRICE TRUST COMPANY · EIN 47-1088316 / PN 001 | Common Collective Trust | — | — | $3.3M | 2.0% | |
| PIMCO Income Institutional Fund Mutual Fund | — | — | — | $3.2M | 1.9% | |
| Fidelity International Idx Fund Mutual Fund | — | — | — | $2.8M | 1.7% | |
| PIONEER BOND FUND TRUST R1 GREAT GRAY TRUST COMPANY · EIN 81-5420248 / PN 291 | Common Collective Trust | — | — | $2.7M | 1.6% | |
| BlackRock Technology Opportunities K Fund Mutual Fund | — | — | — | $2.7M | 1.6% | |
| Lord Abbett Sht Drtn Inc R6 Fund Mutual Fund | — | — | — | $2.7M | 1.6% | |
| Participant Loans Notes Receivable | — | — | — | $2.6M | 1.6% | |
| PGIM Jennison Intl Opp R6 Fund Mutual Fund | — | — | — | $2.2M | 1.3% | |
| T. ROWE PRICE RTM 2020 TR CL A T. ROWE PRICE TRUST COMPANY · EIN 36-7594871 / PN 001 | Common Collective Trust | — | — | $1.7M | 1.0% | |
| American Funds Newworld R6 Mutual Fund | — | — | — | $1.6M | 0.9% | |
| Fidelity Sm Cp Index Fund Mutual Fund | — | — | — | $1.6M | 0.9% | |
| Undisc Mgrs Behav Value R6 Fund Mutual Fund | — | — | — | $1.5M | 0.9% | |
| JP Morgan Small Cap Growth R6 Fund Mutual Fund | — | — | — | $1.3M | 0.8% | |
| JANUS HEND ENT COLL FD CL III GREAT GRAY TRUST COMPANY · EIN 38-7289853 / PN 001 | Common Collective Trust | — | — | $1.3M | 0.7% | |
| Vanguard Energy Index Admiral Fund Mutual Fund | — | — | — | $1.2M | 0.7% | |
| Columbia Select MidCap Value I3 Fund Mutual Fund | — | — | — | $1.1M | 0.7% | |
| T ROWE PRICE RTM 2065 TR CL A T. ROWE PRICE TRUST COMPANY · EIN 85-1763138 / PN 001 | Common Collective Trust | — | — | $974K | 0.6% | |
| Vanguard Consumer Discretionary Index Admiral FundMutual Fund | — | — | — | $851K | 0.5% | |
| Vanguard Consumer Staples Index Admiral Fund Mutual Fund | — | — | — | $518K | 0.3% | |
| Fidelity Advisor Health Care Z Fund Mutual Fund | — | — | — | $452K | 0.3% | |
| T. ROWE PRICE RTM 2010 TR CL A T. ROWE PRICE TRUST COMPANY · EIN 32-6199795 / PN 001 | Common Collective Trust | — | — | $230K | 0.1% | |
| T. ROWE PRICE RTM 2005 TR CL A T. ROWE PRICE TRUST COMPANY · EIN 61-6434302 / PN 001 | Common Collective Trust | — | — | $229K | 0.1% | |
| T. ROWE PRICE RTM 2015 TR CL A T. ROWE PRICE TRUST COMPANY · EIN 35-6941654 / PN 001 | Common Collective Trust | — | — | $211K | 0.1% | |
| Cohen & Steers Real Estate Securities Z Fund Mutual Fund | — | — | — | $115K | <0.1% |
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