Original filing (PDF)20250702184649NAL0013283777001

TERRAPHASE ENGINEERING

Name: TERRAPHASE ENGINEERING — TERRAPHASE ENGINEERING 401(K) PLAN, Form 5500 (2024)
Creator: TERRAPHASE ENGINEERING

Form 5500

FILING_RECEIVED

TERRAPHASE ENGINEERING 401(K) PLAN

401(k) retirement plan

Signals · 1

No recordkeeper disclosed

Active participants

160

Accounts w/ balance

187

Plan assets (EOY)

$30.3M

Net assets (EOY)

$30.3M

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)

/ 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

Vendor stack

Participation health

100

Knocking points off

38 bps in Schedule C fees — modestly 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 TERRAPHASE ENGINEERING.

Plan sponsor

Name

TERRAPHASE ENGINEERING

EIN

27-3543127

Address

1300 CLAY ST. · SUITE 1000 · OAKLAND, CA · 94612

Phone

(510) 645-1850

Industry

Engineering Services· 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

2025-07-02

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

2T · Default investment account (QDIA)

3D · Pre-approved plan (master / prototype / VS)

Audit & trust (Schedule H)

Auditor

PENSION ASSURANCE LLP

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

4 rows

TPA / Administrator

Name	EIN	Location	Relation	Direct comp	Indirect comp
HICKS PENSION SERVICES	—	FRESNO, CA	CONTRACT ADMIN	$5K	—

Other

Name	EIN	Location	Relation	Direct comp	Indirect comp
EMPOWER ANNUITY INSURANCE COMPANY	—	GREENWOOD VILLAGE, CO	—	$61K	—
EDWARD D JONES & CO LP	—	ST LOUIS, MO	—	$49K	—
EMPOWER ADVISORY GROUP, LLC	—	GREENWOOD VILLAGE, CO	—	$738	—

Investments

35 direct securities· $29.7M(98% of reported assets)

Investment	Type	Shares / units	Cost	Current value	% of plan
Vanguard 500 Index Admiral	—	—	—	$4.6M	15.2%
American Funds American Funds 2035 Target Date Retire R6	—	—	—	$4.3M	14.1%
MassMutual Blue Chip Growth I	—	—	—	$2.8M	9.3%
American Funds American Funds 2050 Target Date Retire R6	—	—	—	$2.8M	9.2%
American Funds American Funds 2045 Target Date Retire R6	—	—	—	$2.3M	7.5%
American Funds American Funds 2030 Target Date Retire R6	—	—	—	$1.5M	5.0%
Vanguard Total International Stock Index Admiral	—	—	—	$1.1M	3.5%
American Funds American Funds 2055 Target Date Retire R6	—	—	—	$1.0M	3.3%
Vanguard Small Cap Value Index Admiral	—	—	—	$869K	2.9%
Vanguard Selected Value Fund Investor	—	—	—	$795K	2.6%
American Funds American Funds 2060 Target Date Retire R6	—	—	—	$795K	2.6%
Vanguard Mid Cap Index Fund - Admiral	—	—	—	$795K	2.6%
Empower Annuity Insurance Company of America Guaranteed Interest Account	—	—	—	$742K	2.4%
American Funds American Funds 2040 Target Date Retire R6	—	—	—	$539K	1.8%
Janus Henderson Janus Henderson Triton N	—	—	—	$534K	1.8%
MassMutual Mid Cap Growth I	—	—	—	$475K	1.6%
Vanguard Total Bond Market Index Admiral	—	—	—	$464K	1.5%
American Funds American Funds 2025 Target Date Retire R6	—	—	—	$436K	1.4%
American Funds American Funds Washington Mutual R6	—	—	—	$403K	1.3%
Calvert Research and Management Calvert US Large Cap Core Responsible Index	—	—	—	$375K	1.2%
BlackRock Total Return K	—	—	—	$363K	1.2%
PIMCO Income Fund Institutional Class	—	—	—	$298K	1.0%
Invesco International Diversified R6	—	—	—	$278K	0.9%
JPMorgan Equity Income R6	—	—	—	$266K	0.9%
MassMutual Small Cap Opportun I	—	—	—	$229K	0.8%
Columbia Overseas Value Instl 3	—	—	—	$182K	0.6%
MassMutual US Govt Mny Mkt R5 ** 63 Neuberger Berman Neuberger Berman Sustainable Equity R6	—	—	—	$119K	0.4%
Participant Loans to participants, bearing interest from 4.25% to 10.25%	—	—	—	$107K	0.4%
PGIM Investments PGIM High-Yield R6	—	—	—	$78K	0.3%
American Century Investments American Century Emerging Markets R6	—	—	—	$67K	0.2%
Calvert Research and Management Calvert Equity I	—	—	—	$65K	0.2%
MassMutual Inflation-Protected & Income Fund I	—	—	—	$28K	<0.1%
American Funds American Funds 2015 Target Date Retire R6	—	—	—	$28K	<0.1%
American Funds American Funds 2020 Target Date Retire R6	—	—	—	$5K	<0.1%
American Funds American Funds 2010 Target Date Retire R6	—	—	—	$4K	<0.1%