Original filing (PDF)20251015104614NAL0002164803001

Vistra USA Inc.

Name: Vistra USA Inc. — Vistra USA Inc., 401(k) Plan, Form 5500 (2024)
Creator: Vistra USA Inc.
License: https://www.usa.gov/government-works

Form 5500

FILING_RECEIVED

Vistra USA Inc., 401(k) Plan

401(k) retirement plan · Vistra USA Inc.'s Vistra USA Inc., 401(k) Plan held $19.1M in plan assets for 216 participants in 2024, with Fidelity as recordkeeper.

Signals · 2

Late participant contributionsNon-exempt prohibited transaction

Active participants

216

Accounts w/ balance

269

Plan assets (EOY)

$19.1M

Net assets (EOY)

$19.1M

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

Average plan with room to improve

Directional indicator from public Form 5500 data — compliance & integrity, total plan cost, participant health and vendor stack, benchmarked against same-size peers. Not a fiduciary tool.

Compliance & integrity

Total plan cost

Plan health

Vendor & structure

100

Knocking points off

Delinquent participant contributions reported (Schedule H 4a) — 613K (21% of contributions).
Non-exempt prohibited transaction reported (Schedule G).

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for VISTRA USA INC..

Plan sponsor

Name

VISTRA USA INC.

EIN

33-1226448all filings

Address

31 ST JAMES AVE · SUITE 880 · BOSTON, MA · 02116

Phone

(617) 849-7304

Industry

Professional & Technical Services

Plan administrator

Same as plan sponsor.

Plan characteristics

Plan number

002

Plan year

2024

Plan year begin

2024-01-01

Tax period

2024-12-31

Filed

2025-10-15

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)

3H · Sponsor in controlled / affiliated group

Service providers (Schedule C)

2 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
FIDELITY INVESTMENTS INSTITUTIONAL	04-2647786	—	RECORDKEEPER	$17K	—

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
LION STREET ADVISORS LLC	80-0946231	—	ADVISOR	$42K	—

Investments

32 direct securities· $19.1M(100% of reported assets)

Mutual Funds

$14.7M

19 holdings

Other securities

$3.1M

6 holdings

Common Collective Trusts

$1.3M

6 holdings

Participant loans

$67K

1 holding

					% of plan
s * Fidelity 500 Index Fund N/R	Mutual Funds	—	—	$4.7M	24.8%
Fidelity Freedom Index 2040 Fund Institutional Pr N/R	Mutual Funds	—	—	$1.8M	9.3%
Fidelity Freedom Index 2030 Fund Institutional Pr N/R	Mutual Funds	—	—	$1.5M	7.9%
Fidelity Freedom Index 2045 Fund Institutional Pr N/R	Mutual Funds	—	—	$1.4M	7.6%
American Century American Century Ultra Fund R6 Class N/R	Other securities	—	—	$1.4M	7.4%
Fidelity Freedom Index 2055 Fund Institutional Pr N/R	Mutual Funds	—	—	$1.2M	6.3%
Fidelity Government Money Market Fund N/R	Mutual Funds	—	—	$926K	4.8%
JPMorgan Equity Income Fund Class R6 N/R	Other securities	—	—	$845K	4.4%
Fidelity Freedom Index 2025 Fund Institutional Pr N/R	Mutual Funds	—	—	$770K	4.0%
Fidelity Freedom Index 2035 Fund Institutional Pr N/R	Mutual Funds	—	—	$660K	3.4%
Fidelity Mid Cap Index Fund N/R	Common Collective Trusts	—	—	$633K	3.3%
Fidelity Freedom Index 2050 Fund Institutional Pr N/R	Mutual Funds	—	—	$509K	2.7%
JPMorgan Mid Cap Growth Fund Class R6 N/R	Other securities	—	—	$393K	2.1%
Fidelity Freedom Index 2060 Fund Institutional Pr N/R	Mutual Funds	—	—	$297K	1.6%
BlackRock High Yield Bond Portfolio Institutional N/R	Other securities	—	—	$253K	1.3%
Fidelity Advisor Balanced Fund - Class Z N/R	Mutual Funds	—	—	$213K	1.1%
Fidelity International Index Fund N/R	Common Collective Trusts	—	—	$197K	1.0%
Fidelity Small Cap Index Fund N/R	Common Collective Trusts	—	—	$196K	1.0%
Janus Henderson Janus Henderson Venture Fund Class N N/R	Mutual Funds	—	—	$196K	1.0%
Fidelity Real Estate Index Fund N/R	Common Collective Trusts	—	—	$187K	1.0%
American Funds American Funds New World Fund Class R-6 N/R	Mutual Funds	—	—	$139K	0.7%
Fidelity U.S. Bond Index Fund N/R	Common Collective Trusts	—	—	$106K	0.6%
MFS Research International Fund Class R6 N/R	Mutual Funds	—	—	$106K	0.6%
Allspring Special Small Cap Value Fund - Class R6 N/R	Other securities	—	—	$97K	0.5%
Fidelity Advisor Total Bond Fund - Class Z N/R	Mutual Funds	—	—	$80K	0.4%
Participant Loans Notes receivable from participants, with interest rates $0	Participant loans	—	—	$67K	0.4%
Allspring Special Mid Cap Value Fund - Class R6 N/R	Other securities	—	—	$57K	0.3%
Fidelity Freedom Index 2065 Fund Institutional Pr N/R	Mutual Funds	—	—	$39K	0.2%
Fidelity Inflation-Protected Bond Index Fund N/R	Common Collective Trusts	—	—	$26K	0.1%
Fidelity Freedom Index Income Fund Institutional N/R	Mutual Funds	—	—	$25K	0.1%
Fidelity Freedom Index 2015 Fund Institutional Pr N/R	Mutual Funds	—	—	$3K	<0.1%
Fidelity Freedom Index 2020 Fund Institutional Pr N/R	Mutual Funds	—	—	$1K	<0.1%