Holdings are itemized directly on this plan's Schedule of Assets, below.
| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BETTERMENT FOR BUSINESS, LLC | 47-4872674 | NEW YORK, NY | RECORDKEEPER | $211K | — |
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Total Stock Market ETF | — | — | — | $26.0M | 27.1% | |
| Vanguard FTSE Developed Markets | — | — | — | $21.6M | 22.5% | |
| SPDR Portfolio S&P 500 ETF | — | — | — | $13.9M | 14.5% | |
| Vanguard FTSE Emerging Markets | — | — | — | $7.7M | 8.0% |
| iShares Core Total US Bond Market ETF | — | — | — | $6.3M | 6.6% |
| SPDR Portfolio S&P 400 Mid Cap | — | — | — | $4.9M | 5.1% |
| SPDR Portfolio S&P 600 Small Cap ETF | — | — | — | $3.8M | 3.9% |
| Vanguard Total International Bond ETF | — | — | — | $1.5M | 1.5% |
| iShares Emerging Markets USD Bond ETF | — | — | — | $1.3M | 1.4% |
| Goldman Sachs ActiveBeta US Large Cap Equity | — | — | — | $1.0M | 1.1% |
| Vanguard Value ETF | — | — | — | $818K | 0.9% |
| Vanguard Small-Cap Value ETF | — | — | — | $728K | 0.8% |
| iShares MSCI ACWI Low Carbon Target ETF | — | — | — | $715K | 0.7% |
| iShares 0-5 Year TIPS Bond ETF | — | — | — | $707K | 0.7% |
| Vanguard Mid-Cap Value ETF | — | — | — | $562K | 0.6% |
| Goldman Sachs TreasuryAccess 01 Year ETF | — | — | — | $418K | 0.4% |
| JPMorgan Ultra-Short Income | — | — | — | $334K | 0.3% |
| SPDR S&P 500 Fossil Fuel Reserves Free ETF | — | — | — | $291K | 0.3% |
| Goldman Sachs ActiveBeta International Equity | — | — | — | $270K | 0.3% |
| Vanguard US Total Bond Market ETF | — | — | — | $212K | 0.2% |
| SPDR MSCI EAFE Fossil Fuel Free ETF | — | — | — | $185K | 0.2% |
| SPDR S&P Kensho New Economies Composite ETF | — | — | — | $183K | 0.2% |
| iShares Trust iShares USD Green Bond ETF | — | — | — | $163K | 0.2% |
| Goldman Sachs ActiveBeta Europe Equity ETF | — | — | — | $132K | 0.1% |
| Goldman Sachs ActiveBeta Emerging Markets Equity | — | — | — | $98K | 0.1% |
| Vanguard U.S. Large-cap Growth Equity ETF | — | — | — | $98K | 0.1% |
| TCW Transform 500 ETF | — | — | — | $95K | <0.1% |
| iShares ESG Aware MSCI USA Small-Cap ETF | — | — | — | $80K | <0.1% |
| Vanguard Dividend Appreciation ETF | — | — | — | $80K | <0.1% |
| SPDR MSCI Emerging Markets Fossil Fuel Free ETF | — | — | — | $80K | <0.1% |
| iShares ESG Aware MSCI USA ETF | — | — | — | $69K | <0.1% |
| Goldman Sachs ActiveBeta US Small Cap Equity ETF | — | — | — | $65K | <0.1% |
| Goldman Sachs Access U.S. Aggregate Bond ETF | — | — | — | $48K | <0.1% |
| Vanguard Short-Term Inflation-Protected Securities ETF | — | — | — | $47K | <0.1% |
| Goldman Sachs ActiveBeta Japan Equity ETF | — | — | — | $46K | <0.1% |
| Goldman Sachs Access Investment Grade Corporate Bond ETF | — | — | — | $40K | <0.1% |
| Schwab U.S. REIT ETF | — | — | — | $36K | <0.1% |
| iShares 1-3 Year Treasury Bond ETF | — | — | — | $35K | <0.1% |
| iShares Floating Rate Bond ETF | — | — | — | $28K | <0.1% |
| Xtrackers USD High Yield Corporate Bond | — | — | — | $28K | <0.1% |
| iShares Investment Grade Systematic Bond ETF | — | — | — | $27K | <0.1% |
| iShares Trust iShares 1-5 Year Investment Grade Corporate Bond ETF | — | — | — | $25K | <0.1% |
| Vanguard LongTerm Government Bond | — | — | — | $21K | <0.1% |
| iShares Treasury Floating Rate Bond ETF | — | — | — | $20K | <0.1% |
| Goldman Sachs Access Emerging Markets USD Bond ETF | — | — | — | $19K | <0.1% |
| iShares MBS | — | — | — | $17K | <0.1% |
| Vanguard Global ex-U.S. Real Estate ETF | — | — | — | $16K | <0.1% |
| iShares ESG Aware MSCI EM ETF | — | — | — | $15K | <0.1% |
| iShares ESG Aware MSCI EAFE ETF | — | — | — | $15K | <0.1% |
| Invesco QQQ Trust | — | — | — | $14K | <0.1% |
| GraniteShares Bloomberg Commodity Broad Strategy No K-1 ETF | — | — | — | $13K | <0.1% |
| iShares 10+ Year Investment Grade Corporate Bond ETF | — | — | — | $12K | <0.1% |
| iShares Fallen Angels USD Bond ETF | — | — | — | $10K | <0.1% |
| iShares ESG Aware U.S. Aggregate Bond ETF | — | — | — | $8K | <0.1% |
| Schwab U.S. Broad Market ETF | — | — | — | $7K | <0.1% |
| Goldman Sachs Access Inflation Protected USD Bond ETF | — | — | — | $7K | <0.1% |
| Goldman Sachs Access High Yield Corporate Bond ETF | — | — | — | $6K | <0.1% |
| iShares Broad USD High Yield Corporate Bond ETF | — | — | — | $5K | <0.1% |
| iShares Core MSCI Emerging Markets ETF | — | — | — | $5K | <0.1% |
| iShares Trust iShares 5-10 Year Investment Grade Corporate Bond ETF | — | — | — | $5K | <0.1% |
| iShares 0-5 Year High Yield Corporate Bond ETF | — | — | — | $4K | <0.1% |
| iShares Short-Term Treasury Bond ETF | — | — | — | $4K | <0.1% |
| iShares J.P. Morgan EM High Yield Bond ETF | — | — | — | $3K | <0.1% |
| iShares ESG Aware USD Corporate Bond ETF | — | — | — | $3K | <0.1% |
| iShares High Yield Systematic Bond ETF | — | — | — | $2K | <0.1% |
| iShares National AMT-Free Muni Bond ETF | — | — | — | $1K | <0.1% |
| iShares Core S&P Total U.S. Stock Market ETF | — | — | — | $1K | <0.1% |
| iShares 20 Year Treasury Bond | — | — | — | $757 | <0.1% |
| Vanguard Large-Cap ETF - DNQ | — | — | — | $710 | <0.1% |
| iShares Core MSCI EAFE ETF | — | — | — | $507 | <0.1% |
| Vanguard Small-Cap Stock ETF | — | — | — | $41 | <0.1% |
| Schwab U.S. Mid-Cap ETF | — | — | — | $33 | <0.1% |
| Invesco Emerging Markets Sovereign Debt ETF | — | — | — | $24 | <0.1% |
| iShares iBoxx $ Investment Grade Corporate Bond ETF | — | — | — | $17 | <0.1% |
