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Original filing (PDF)20260319111458NAL0003947937001
ZERO CATER, INC.
Form 5500
FILING_RECEIVED
ZERO CATER 401(K) PLAN
401(k) retirement plan
Signals · 3
Late filing · 4.1 mo28% in single holdingNo recordkeeper disclosed
Active participants
445
Accounts w/ balance
247
Plan assets (EOY)
$7.8M
Net assets (EOY)
$7.8M
How this plan invests
This plan
29 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score
87
/ 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
84
Concentration risk
86
Total plan cost
100
Vendor stack
80
Participation health
80
Knocking points off
- Filed 4.1 months past the 10.5-month grace window.
- Top holding "Vanguard Target Retirement 2050 Fund Vanguard 0" is 28% of plan.
- No recordkeeper disclosed on Schedule C.
- 56% balance-to-active ratio — below typical for a healthy 401(k).
Helping the score
- Below-peer total fees (4 bps vs 52 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for ZERO CATER, INC..
Plan sponsor
Name
ZERO CATER, INC.
EIN
27-4319579
Address
44 MONTGOMERY ST FL 3 · SAN FRANCISCO, CA · 94104
Phone
(215) 888-2102
Industry
Accommodation & Food 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
2026-03-19
Pension benefit codes
2E · Profit-sharing
3D · Pre-approved plan (master / prototype / VS)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2F · ERISA section 404(c)
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
ANDERS MINKLER HUBER & HELM LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsOther
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| THE VANGUARD GROUP, INC. | 23-1945930 | — | NONE | $3K | — |
Investments
29 direct securities· $7.8M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2050 Fund Vanguard 0 | — | — | — | $2.2M | 28.0% | |
| Vanguard 500 Index Adm Vanguard 0 | — | — | — | $1.3M | 16.2% | |
| Vanguard Target Retirement 2055 Fund Vanguard 0 | — | — | — | $1.2M | 15.2% | |
| Vanguard Target Retirement 2045 Fund Vanguard 0 | — | — | — | $798K | 10.2% | |
| Vanguard Target Retirement 2060 Fund Vanguard 0 | — | — | — | $548K | 7.0% | |
| Fidelity Large Cap Growth Index Fidelity 0 | — | — | — | $380K | 4.9% | |
| Vanguard Total Stock Market Index Adm Vanguard 0 | — | — | — | $297K | 3.8% | |
| Vanguard Target Retirement 2040 Fund Vanguard 0 | — | — | — | $239K | 3.1% | |
| Vanguard Mid Cap Index Adm Vanguard 0 | — | — | — | $165K | 2.1% | |
| Vanguard Small-Cap Index Adm Vanguard 0 | — | — | — | $110K | 1.4% | |
| Vanguard Target Retirement 2030 Fund Vanguard 0 | — | — | — | $84K | 1.1% | |
| BlackRock Equity Dividend Instl BlackRock 0 | — | — | — | $71K | 0.9% | |
| Vanguard Emerging Mkts Stock Idx Adm Vanguard 0 | — | — | — | $69K | 0.9% | |
| Vanguard Federal Money Market Inv Vanguard 0 | — | — | — | $52K | 0.7% | |
| PIMCO Real Estate Real Ret Strat Instl PIMCO 0 | — | — | — | $47K | 0.6% | |
| American Funds Bond Fund of Amer R6 American Funds 0 250 Various Rates and Maturities Participant's Loan Account 0 | — | — | — | $46K | 0.6% | |
| Vanguard Developed Mkts Index Adm Vanguard 0 | — | — | — | $45K | 0.6% | |
| Vanguard Target Retirement 2025 Fund Vanguard 0 | — | — | — | $37K | 0.5% | |
| Vanguard Total Bond Market Index Adm Vanguard 0 | — | — | — | $30K | 0.4% | |
| Vanguard Target Retirement 2065 Fund Vanguard 0 | — | — | — | $29K | 0.4% | |
| DFA U.S. Targeted Value Portfolio I DFA 0 | — | — | — | $27K | 0.3% | |
| American Funds New Perspective R6 American Funds 0 | — | — | — | $25K | 0.3% | |
| Invesco Gold & Special Minerals R6 Invesco 0 | — | — | — | $17K | 0.2% | |
| Goldman Sachs Intl Equity Income R6 Goldman Sachs 0 | — | — | — | $17K | 0.2% | |
| BlackRock High Yield Portfolio K Vanguard 0 | — | — | — | $16K | 0.2% | |
| Victory Sycamore Established Value I Victory 0 | — | — | — | $14K | 0.2% | |
| Vanguard Target Retirement Income Fund Vanguard 0 | — | — | — | $8K | <0.1% | |
| Buffalo Small Cap Growth Instl Buffalo 0 | — | — | — | $4K | <0.1% | |
| Vanguard Target Retirement 2035 Fund Vanguard 0 | — | — | — | $4K | <0.1% |
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