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Original filing (PDF)20250925130203NAL0008531905001
PENTLAND USA, INC.
Form 5500
FILING_RECEIVED
PENTLAND USA, INC. 401(K) PLAN
401(k) retirement plan
Signals · 1
1 failed disclosure
Active participants
180
Accounts w/ balance
277
Plan assets (EOY)
$33.5M
Net assets (EOY)
$33.5M
How this plan invests
This plan
1 pooled trust
Schedule D
34 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
96
/ 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
85
Concentration risk
100
Total plan cost
100
Vendor stack
100
Participation health
100
Knocking points off
- 1 Schedule C provider failed to disclose compensation.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for PENTLAND USA, INC..
Plan sponsor
Name
PENTLAND USA, INC.
EIN
31-1148429
Address
6251 KATELLA AVENUE · CYPRESS, CA · 90630
Phone
(657) 465-3800
Industry
Wholesale Tradesee 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
2025-09-25
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
PENSION ASSURANCE LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $28K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MARSHALL AND STERLING WEALTH ADV | 14-0865370 | — | ADVISOR | $54K | — |
Failed / refused disclosures (Sched C Part 2)
| Provider | Nondisclosure info |
|---|---|
| — | — |
Investments
34 direct securities · 1 pooled fund· $33.5M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Uncategorized
$33.5M
34 holdings
Pooled Separate Account
$0
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity 500 Index Mutual Fund | — | — | — | $5.5M | 16.3% | |
| Vanguard Target Retirement 2045 Mutual Fund | — | — | — | $3.3M | 9.9% | |
| Vanguard Target Retirement 2050 Mutual Fund | — | — | — | $3.2M | 9.5% | |
| Vanguard Target Retirement 2040 Mutual Fund | — | — | — | $3.0M | 8.9% | |
| Janus Henderson Enterprise IS Mutual Fund | — | — | — | $2.6M | 7.7% | |
| T. Rowe Price All-Cap Opportunities Fund Mutual Fund | — | — | — | $2.4M | 7.3% | |
| Vanguard Target Retirement 2035 Mutual Fund | — | — | — | $2.0M | 6.1% | |
| Vanguard Target Retirement 2055 Mutual Fund | — | — | — | $1.8M | 5.5% | |
| Vanguard Target Retirement 2030 Mutual Fund | — | — | — | $1.4M | 4.1% | |
| Vanguard Target Retirement 2025 Mutual Fund | — | — | — | $1.1M | 3.4% | |
| Vanguard Equity Income Admiral Mutual Fund | — | — | — | $1.1M | 3.3% | |
| Vanguard International Growth Admiral Mutual Fund | — | — | — | $950K | 2.8% | |
| Allspring Special Small Cap Value R6 Mutual Fund | — | — | — | $923K | 2.8% | |
| Fidelity International Index Mutual Fund | — | — | — | $700K | 2.1% | |
| Empower Guaranteed Income Fund Fully Benefit-Responsive Investment Contract | — | — | — | $640K | 1.9% | |
| Vanguard Target Retirement 2060 Mutual Fund | — | — | — | $583K | 1.7% | |
| American Century Diversified Bond R6 Mutual Fund | — | — | — | $413K | 1.2% | |
| Participant Loans to participants, bearing interest from 4.25% to 10.50% | — | — | — | $334K | 1.0% | |
| Fidelity Select Software Mutual Fund | — | — | — | $293K | 0.9% | |
| Fidelity US Bond Index Mutual Fund | — | — | — | $184K | 0.5% | |
| Vanguard Target Retirement 2020 Mutual Fund | — | — | — | $177K | 0.5% | |
| Vanguard Target Retirement Income Mutual Fund | — | — | — | $124K | 0.4% | |
| Fidelity Extended Market Index Mutual Fund | — | — | — | $112K | 0.3% | |
| American Century Mid Cap Value I Mutual Fund | — | — | — | $105K | 0.3% | |
| Janus Henderson Triton N Mutual Fund | — | — | — | $93K | 0.3% | |
| American Funds New Perspective R6 Mutual Fund | — | — | — | $83K | 0.2% | |
| American Funds Balanced R6 Mutual Fund | — | — | — | $72K | 0.2% | |
| Vanguard Target Retirement 2065 Mutual Fund | — | — | — | $63K | 0.2% | |
| Vanguard Wellesley Income Fund Admiral Mutual Fund ** 79 Vanguard Balanced Index Admiral Mutual Fund ** 833 Vanguard Real Estate Index Admiral Mutual Fund | — | — | — | $62K | 0.2% | |
| DFA Inflation Protected Securities Portfolio Mutual Fund | — | — | — | $53K | 0.2% | |
| BlackRock High Yield Bond K Mutual Fund | — | — | — | $52K | 0.2% | |
| American Funds New World R6 Mutual Fund | — | — | — | $41K | 0.1% | |
| DFA Global Real Estate Mutual Fund | — | — | — | $15K | <0.1% | |
| Vanguard Small Cap Index Admiral Mutual Fund | — | — | — | $8K | <0.1% | |
| GUARDIAN VARIABLE ANNUITY GUARDIAN · EIN 13-2656036 / PN 001 | Pooled Separate Account | — | — | $0 | <0.1% |