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Original filing (PDF)20251009104232NAL0006847121001
GRADIENT FINANCIAL GROUP LLC
Form 5500
FILING_RECEIVED
GRADIENT FINANCIAL GROUP LLC 401(K) PROFIT SHARING PLAN AND TRUST
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
312
Accounts w/ balance
396
Plan assets (EOY)
$20.5M
Net assets (EOY)
$20.5M
How this plan invests
This plan
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.
Helping the score
- Below-peer total fees (10 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for GRADIENT FINANCIAL GROUP LLC.
Plan sponsor
Name
GRADIENT FINANCIAL GROUP LLC
EIN
26-3422329
Address
4105 LEXINGTON AVE. N · SUITE 100 · ARDEN HILLS, MN · 55126
Phone
(651) 621-8224
Industry
Insurance Agencies & Brokerages· Finance & Insurancesee 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
2025-10-09
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
MAHONEY ULBRICH CHRISTIANSEN AND RU
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MAHONEY ULBRICH CHRISTIANSEN | 41-1647057 | — | NONE | $11K | — |
| SCHWAB RETIREMENT PLAN SERVICES,INC | 34-1479833 | — | NONE | $10K | — |
Investments
35 direct securities· $20.5M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| VANGUARD LIFE ST STAR GROWTH Registered Investment Company | — | — | — | $4.6M | 22.4% | |
| VANGUARD 500 INDEX ADMIRAL Registered Investment Company | — | — | — | $2.3M | 11.4% | |
| VANGUARD TOT STK MKT IDX ADMRL Registered Investment Company | — | — | — | $1.7M | 8.2% | |
| FIDELITY CONTRA FUND Registered Investment Company | — | — | — | $1.2M | 5.8% | |
| VANGUARD LF STR MOD GRTH Registered Investment Company | — | — | — | $987K | 4.8% | |
| T ROWE PRICE RETIREMENT 2045 Registered Investment Company | — | — | — | $940K | 4.6% | |
| T ROWE PRICE RETIREMENT 2060 Registered Investment Company | — | — | — | $821K | 4.0% | |
| T ROWE PRICE RETIREMENT 2050 Registered Investment Company | — | — | — | $760K | 3.7% | |
| VANGUARD SMALL CAP GRTH INDEX Registered Investment Company | — | — | — | $625K | 3.1% | |
| VANGUARD SMALL CAP INDEX ADMRL Registered Investment Company | — | — | — | $613K | 3.0% | |
| T ROWE PRICE RETIREMENT 2035 Registered Investment Company | — | — | — | $584K | 2.9% | |
| VANGUARD FED MONEY MARKET FUND Money Market / Cash Equivalent | — | — | — | $582K | 2.8% | |
| VANGUARD TOT INTL STK IDX ADM Registered Investment Company | — | — | — | $557K | 2.7% | |
| T ROWE PRICE RETIREMENT 2040 Registered Investment Company | — | — | — | $537K | 2.6% | |
| INVESCO OPP INTL SML MID CO R6 Registered Investment Company | — | — | — | $530K | 2.6% | |
| VANGUARD EMRG MKTS INDEX ADM Registered Investment Company | — | — | — | $513K | 2.5% | |
| VANGUARD LIFE STRAT CONS GRTH Registered Investment Company | — | — | — | $402K | 2.0% | |
| T ROWE PRICE RETIREMENT 2055 Registered Investment Company | — | — | — | $371K | 1.8% | |
| Nuveen Mid Cap Growth Opps A Registered Investment Company | — | — | — | $345K | 1.7% | |
| Putnam Core Equity Fund A Registered Investment Company | — | — | — | $337K | 1.6% | |
| PARTICIPANT LOANS (4.25% - 9.50%) | — | — | — | $271K | 1.3% | |
| VANGUARD REAL ESTATE INDEX ADM Registered Investment Company | — | — | — | $174K | 0.9% | |
| VANGUARD SHORT TERM BD IDX ADM Registered Investment Company | — | — | — | $120K | 0.6% | |
| T ROWE PRICE RETIREMENT 2030 Registered Investment Company | — | — | — | $99K | 0.5% | |
| T ROWE PRICE NEW ERA FUND Registered Investment Company | — | — | — | $87K | 0.4% | |
| T ROWE PRICE RETIRE BALANCED Registered Investment Company | — | — | — | $61K | 0.3% | |
| VANGUARD TTL BOND MKT IDX ADM Registered Investment Company | — | — | — | $56K | 0.3% | |
| VANGUARD LIFE STRATEGY INCOME Registered Investment Company | — | — | — | $55K | 0.3% | |
| T ROWE PRICE RETIREMENT 2025 Registered Investment Company | — | — | — | $52K | 0.3% | |
| VANGUARD INTERMEDIATE US TREAS Registered Investment Company | — | — | — | $46K | 0.2% | |
| T ROWE PRICE RETIREMENT 2020 Registered Investment Company | — | — | — | $43K | 0.2% | |
| VANGUARD F/I L/T US TREASURY Registered Investment Company | — | — | — | $41K | 0.2% | |
| T ROWE PRICE RET 2065 I Registered Investment Company | — | — | — | $25K | 0.1% | |
| VANGUARD HIGH YIELD CORP FND Registered Investment Company | — | — | — | $24K | 0.1% | |
| Fidelity GNMA Registered Investment Company | — | — | — | $11K | <0.1% |
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