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Original filing (PDF)20251007170741NAL0005098561001
PAYFONE, INC.
Form 5500
FILING_RECEIVED
PROVE 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
254
Accounts w/ balance
282
Plan assets (EOY)
$23.6M
Net assets (EOY)
$23.6M
How this plan invests
This plan
17 pooled trusts
Schedule D
38 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
- 53 bps in Schedule C fees — 82% 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 PAYFONE, INC..
Plan sponsor
Name
PAYFONE, INC.
EIN
26-2231809
Address
245 5TH AVE FL 20 · NEW YORK, NY · 100168728
Phone
(212) 614-6927
Industry
Information / Tech / Mediasee 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
2025-10-07
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
PLANTE & MORAN, PLLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ALERA INVESTMENT ADVISORS, LLC | 82-1301701 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $124K | — |
Investments
29 direct securities · 17 pooled funds· $24.4M(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
$13.7M
13 holdings
Uncategorized
$9.2M
29 holdings
Pooled Separate Account
$1.5M
4 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| PRIN LIFETIME HYBR 2050 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 009 | Common Collective Trust | — | $0 | $2.9M | 12.2% | |
| PRIN LIFETIME HYBR 2045 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 008 | Common Collective Trust | — | $0 | $2.6M | 11.2% | |
| PRIN LIFETIME HYBR 2055 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 010 | Common Collective Trust | — | — | $2.6M | 10.8% | |
| Principal Stable Value Z Fund | — | — | $0 | $2.6M | 10.8% | |
| PRIN LIFETIME HYBR 2040 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 007 | Common Collective Trust | — | $0 | $1.7M | 7.4% | |
| PRIN LIFETIME HYBR 2035 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 006 | Common Collective Trust | — | $0 | $1.3M | 5.3% | |
| PRIN BLUE CHIP SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 133 | Pooled Separate Account | — | — | $1.2M | 4.9% | |
| Vanguard Balncd Index Admrl Fd | — | — | $0 | $941K | 4.0% | |
| PRIN LIFETIME HYBR 2060 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 012 | Common Collective Trust | — | $0 | $832K | 3.5% | |
| Vanguard Sm Cap Val Idx Adm Fd | — | — | $0 | $580K | 2.5% | |
| Prin LifeTime Hybr 2045 CIT Z | — | — | $0 | $548K | 2.3% | |
| PRINCIPAL STABLE VALUE Z FUND PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 93-6274328 / PN 001 | Common Collective Trust | — | — | $548K | 2.3% | |
| PRIN LIFETIME HYBR 2030 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 005 | Common Collective Trust | — | $0 | $494K | 2.1% | |
| PRIN LIFETIME HYBR 2065 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 013 | Common Collective Trust | — | $0 | $490K | 2.1% | |
| Fidelity Mid Cp Index Fund | — | — | $0 | $427K | 1.8% | |
| Vanguard MidCap Val Idx Adm Fd | — | — | $0 | $398K | 1.7% | |
| Fid Adv High Inc Advant Z Fund | — | — | $0 | $392K | 1.7% | |
| PRIN LIFETIME HYBR 2020 CIT Z | — | — | $0 | $374K | 1.6% | |
| Vgd LifeStrategy Growth Inv Fd | — | — | $0 | $328K | 1.4% | |
| Lord Abbett Bd Debenture R6 Fd | — | — | $0 | $299K | 1.3% | |
| Vgd Infl-Prot Sec Adm Fund | — | — | $0 | $283K | 1.2% | |
| Vanguard Intl Growth Adm Fd | — | — | $0 | $263K | 1.1% | |
| JP Morgan Govt Bond R6 Fund | — | — | $0 | $257K | 1.1% | |
| Fidelity 500 Index Fund | — | — | $0 | $231K | 1.0% | |
| Fidelity International Idx Fd | — | — | $0 | $204K | 0.9% | |
| PRIN EQUITY INCOME SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 120 | Pooled Separate Account | — | — | $198K | 0.8% | |
| Prin Blue Chip SA-Z | — | — | $0 | $198K | 0.8% | |
| PRIN LIFETIME HYBR 2025 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 004 | Common Collective Trust | — | $0 | $189K | 0.8% | |
| Vanguard Value Index Adm Fund | — | — | $0 | $163K | 0.7% | |
| Vanguard Growth Index Adm Fund | — | — | $0 | $163K | 0.7% | |
| Fidelity Sm Cap Index Fund | — | — | $0 | $145K | 0.6% | |
| MFS Intl Diversification R6 Fd | — | — | $0 | $142K | 0.6% | |
| PRIN CORE FIX INC SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 118 | Pooled Separate Account | — | — | $82K | 0.3% | |
| BlackRock Md-Cp Gr Eq K Fd | — | — | $0 | $82K | 0.3% | |
| American Funds NewPrsp R6 Fnd | — | — | $0 | $65K | 0.3% | |
| PRIN GL REAL EST SEC SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 136 | Pooled Separate Account | — | — | $48K | 0.2% | |
| Prin Core Fix Inc Sep Acct-Z | — | — | $0 | $48K | 0.2% | |
| PGIM Global Total Ret R6 Fd | — | — | $0 | $43K | 0.2% | |
| Alger Small Cap Focus Z Fund | — | — | $0 | $43K | 0.2% | |
| American Funds NewWorld R6 | — | — | $0 | $33K | 0.1% | |
| PRIN LIFETIME HYB 2070 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 014 | Common Collective Trust | — | — | $20K | <0.1% | |
| Prin Equity Income SA-Z | — | — | $0 | $20K | <0.1% | |
| Prin LifeTime Hyb 2070 CIT Z | — | — | $0 | $8K | <0.1% | |
| PRIN LIFETIME HYBR 2020 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 003 | Common Collective Trust | — | $0 | $2K | <0.1% | |
| Prin Gl Real Est Sec SA-Z | — | — | $0 | $2K | <0.1% | |
| PRIN LIFETIME HYBR INC CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 011 | Common Collective Trust | — | — | $2K | <0.1% |