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Original filing (PDF)20260109130555NAL0010182945001
ADJOIN
Form 5500
FILING_RECEIVED
ADJOIN 403(B) PLAN
403(b) retirement plan
Signals · 2
Late filing · 1.8 mo~93 bps in Sched C fees
Active participants
267
Accounts w/ balance
343
Plan assets (EOY)
$4.0M
Net assets (EOY)
$4.0M
How this plan invests
This plan
30 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
93
Concentration risk
100
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- Filed 1.8 months past the 10.5-month grace window.
- 93 bps in Schedule C fees — 80% above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for ADJOIN.
Plan sponsor
Name
ADJOIN
EIN
33-0008269
Address
9444 FARNHAM STREET · STE 210 · SAN DIEGO, CA · 92123
Phone
(858) 292-2030
Industry
Health Care & Social Assistancesee 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
2026-01-09
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2L · 403(b)(1) annuity
2M · 403(b)(7) custodial accounts
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
JGD & ASSOCIATES, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INS. CO. OF AMERICA | 84-0467907 | GREENWOOD VILLAGE, CO | RECORDKEEPER | $26K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| UBS FINANCIAL SERVICES INC. | — | NASHVILLE, TN | INVESTMENT ADVISOR | $12K | — |
Investments
30 direct securities· $4.0M(100% of reported assets)
Uncategorized
$3.9M
27 holdings
Guaranteed Income / GIC
$104K
1 holding
Mutual Funds
$27K
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Nuveen Lifecycle Index 2040 Fund | — | — | — | $540K | 13.4% | |
| Nuveen Lifecycle Index 2030 Fund | — | — | — | $507K | 12.6% | |
| Nuveen Lifecycle Index 2050 Fund | — | — | — | $431K | 10.7% | |
| Nuveen Lifecycle Index 2060 Fund | — | — | — | $371K | 9.2% | |
| Nuveen Lifecycle Index 2045 Fund | — | — | — | $275K | 6.8% | |
| Fidelity Investments Fidelity Advisor Growth Opportunities Fund | — | — | — | $251K | 6.2% | |
| Nuveen Lifecycle Index 2035 Fund | — | — | — | $207K | 5.1% | |
| Dimensional Funds DFA Large Cap International Fund | — | — | — | $195K | 4.8% | |
| Nuveen Lifecycle Index 2055 Fund | — | — | — | $171K | 4.3% | |
| Nuveen Lifecycle Index 2025 Fund | — | — | — | $170K | 4.2% | |
| Fidelity Investments Fidelity 500 Index Fund | — | — | — | $132K | 3.3% | |
| Nuveen Lifecycle Index 2065 Fund | — | — | — | $104K | 2.6% | |
| * Empower Annuity Insurance Company of America Key Guaranteed Portfolio Fund | Guaranteed Income / GIC | — | — | $104K | 2.6% | |
| Participant loans through 2025 - 2047. 0 | — | — | — | $90K | 2.2% | |
| Fidelity Investments Fidelity International Index Fund | — | — | — | $61K | 1.5% | |
| Nuveen Lifecycle Index Retirement Fund | — | — | — | $57K | 1.4% | |
| Nuveen Lifecycle Index 2010 Fund | — | — | — | $53K | 1.3% | |
| Nuveen Lifecycle Index 2020 Fund | — | — | — | $43K | 1.1% | |
| Principal Investments Principal Real Estate Securities Fund | — | — | — | $41K | 1.0% | |
| PIMCO Income Fund Institutional Class | — | — | — | $38K | 0.9% | |
| Fidelity Investments Fidelity Small Cap Index Fund | — | — | — | $31K | 0.8% | |
| Fidelity Investments Fidelity Mid Cap Index Fund | — | — | — | $29K | 0.7% | |
| Putnam Large Cap Value Fund 177 Victory Sycamore Established Value Fund | — | — | — | $24K | 0.6% | |
| American Funds American Funds Small Cap World Fund | Mutual Funds | — | — | $23K | 0.6% | |
| Dimensional Funds DFA U.S. Sustainability Core Fund | — | — | — | $22K | 0.5% | |
| Prudential PGIM Global Total Return Fund | — | — | — | $21K | 0.5% | |
| Nuveen Lifecycle Index 2015 Fund | — | — | — | $12K | 0.3% | |
| American Funds American Funds U.S. Government Securities Fund | — | — | — | $11K | 0.3% | |
| Principal Investments Principal Capital Appreciation Fund | — | — | — | $8K | 0.2% | |
| s (continued) Pioneer Investments Pioneer Bond Class K Fund | Mutual Funds | — | — | $4K | <0.1% |
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