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Original filing (PDF)20250825164245NAL0014083744001
TOPTAL
Form 5500
FILING_RECEIVED
TOPTAL RETIREMENT SAVINGS PLAN
401(k) retirement plan
Active participants
182
Accounts w/ balance
304
Plan assets (EOY)
$16.1M
Net assets (EOY)
$16.1M
How this plan invests
This plan
32 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
100
Participation health
100
Knocking points off
- 55 bps in Schedule C fees — 89% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for TOPTAL.
Plan sponsor
Name
TOPTAL
EIN
27-3834760
Address
2810 N CHURCH ST #36879 · WILMINGTON, DE · 19802
Phone
(888) 604-3188
Industry
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
2025-08-25
Pension benefit codes
2E · Profit-sharing
2J · 401(k) feature
2F · ERISA section 404(c)
2G · Total participant-directed accounts
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
HAGEN, KURTH, PERMAN & CO., P.S.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | 84-0467907 | GREENWOOD VILLAGE, CO | RECORDKEEPER | $42K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| COMMONWEALTH EQUITY | 04-6558834 | WALTHAM, MA | INVESTMENT ADVISOR | $39K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SPECTRUM EMPLOYEE BENEFITS | 20-1973276 | BRECKENRIDGE, MN | TPA | $7K | — |
Investments
32 direct securities· $16.1M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity 500 Index Mutual fund n/a $ | — | — | — | $2.7M | 17.0% | |
| Fidelity Freedom Index 2055 Investor Mutual fund n/a | — | — | — | $2.1M | 13.3% | |
| Fidelity Freedom Index 2050 Investor Mutual fund n/a | — | — | — | $2.1M | 13.1% | |
| Fidelity Freedom Index 2045 Investor Mutual fund n/a | — | — | — | $871K | 5.4% | |
| Fidelity Freedom Index 2060 Investor Mutual fund n/a | — | — | — | $865K | 5.4% | |
| Fidelity Total Market Index Mutual fund n/a | — | — | — | $725K | 4.5% | |
| Fidelity International Index Mutual fund n/a | — | — | — | $698K | 4.3% | |
| Fidelity Freedom Index 2040 Investor Mutual fund n/a | — | — | — | $696K | 4.3% | |
| Fidelity Freedom Index 2035 Investor Mutual fund n/a | — | — | — | $543K | 3.4% | |
| JP Morgan Large Cap Growth R6 Mutual fund n/a | — | — | — | $518K | 3.2% | |
| American Funds New World R6 Mutual fund n/a | — | — | — | $459K | 2.9% | |
| Fidelity Small Cap Index Mutual fund n/a | — | — | — | $404K | 2.5% | |
| Fidelity International Sustainability Index Mutual fund n/a | — | — | — | $403K | 2.5% | |
| Fidelity Mid Cap Index Mutual fund n/a | — | — | — | $392K | 2.4% | |
| Fidelity US Bond Index Mutual fund n/a | — | — | — | $298K | 1.9% | |
| Fidelity Freedom Index 2065 Investor Mutual fund n/a | — | — | — | $279K | 1.7% | |
| Invesco Small Cap Value R6 Mutual fund n/a | — | — | — | $264K | 1.6% | |
| JP Morgan Equity Income R6 Mutual fund n/a | — | — | — | $255K | 1.6% | |
| PIMCO Income Fund Institutional Mutual fund n/a | — | — | — | $238K | 1.5% | |
| EI Fixed Account - Series Class II, at 1.66% Guaranteed fixed account n/a | — | — | — | $191K | 1.2% | |
| Participant loans 4.25%-9.50% n/a | — | — | — | $150K | 0.9% | |
| Fidelity Advisor Total Bond Z Mutual fund n/a | — | — | — | $142K | 0.9% | |
| Fidelity Freedom Index 2030 Investor Mutual fund n/a | — | — | — | $130K | 0.8% | |
| Blackrock Mid-Cap Growth Equity K Mutual fund n/a | — | — | — | $120K | 0.7% | |
| American Funds Europacific GR R6 Mutual fund n/a | — | — | — | $94K | 0.6% | |
| Fidelity Freedom Index Income Investor Mutual fund n/a | — | — | — | $92K | 0.6% | |
| American Funds Inflation Linked BD R6 Mutual fund n/a | — | — | — | $88K | 0.5% | |
| DFA U.S. Small Cap Growth Institutional Mutual fund n/a | — | — | — | $77K | 0.5% | |
| MFS Mid Cap Value R6 Mutual fund n/a | — | — | — | $70K | 0.4% | |
| Fidelity Freedom Index 2025 Investor Mutual fund n/a | — | — | — | $28K | 0.2% | |
| Fidelity U.S. Sustainability Index Institutional Mutual fund n/a | — | — | — | $19K | 0.1% | |
| American Funds Smallcap World R6 Mutual fund n/a | — | — | — | $7K | <0.1% |
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