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Original filing (PDF)20251009165506NAL0011926768001
CIRKUL, INC.
Form 5500
FILING_RECEIVED
CIRKUL 401(K) PLAN
401(k) retirement plan
Signals · 2
52% in single holdingNo recordkeeper disclosed
Active participants
990
Accounts w/ balance
363
Plan assets (EOY)
$7.5M
Net assets (EOY)
$7.5M
How this plan invests
This plan
22 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
88
/ 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
100
Concentration risk
75
Total plan cost
100
Vendor stack
80
Participation health
65
Knocking points off
- Top holding "Schwab Total Stock Market Fund" is 52% of plan.
- No recordkeeper disclosed on Schedule C.
- Only 37% as many balances as active participants — suggests many active employees aren't deferring.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CIRKUL, INC..
Plan sponsor
Name
CIRKUL, INC.
EIN
36-4824944
Address
3620 QUEEN PALM DRIVE · TAMPA, FL · 33619
Phone
(425) 770-2210
Industry
Manufacturingsee 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
2025-10-09
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2J · 401(k) feature
2G · Total participant-directed accounts
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
HALLOWELL 401(K) ASSURANCE, LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| STANCORP FINANCIAL GROUP | 93-1253576 | — | NONE | $33K | — |
| SCHECHTER INVESTMENT ADVISORS, LLC | 46-3874175 | — | NONE | $11K | — |
Investments
22 direct securities· $7.5M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Schwab Total Stock Market Fund | — | — | — | $3.9M | 52.1% | |
| Fidelity Intl Index Fund | — | — | — | $1.2M | 15.4% | |
| Vanguard Total Bond Market Index Fund | — | — | — | $1.0M | 13.9% | |
| Standard Stable Asset Fund | — | — | — | $595K | 7.9% | |
| Vanguard Growth Index Fund | — | — | — | $198K | 2.6% | |
| Fidelity 500 Index Fund | — | — | — | $170K | 2.3% | |
| Vanguard Emerging Markets Stock Index Fundb | — | — | — | $134K | 1.8% | |
| Self-Directed Brokerage Account | — | — | — | $94K | 1.3% | |
| Vanguard Value Index Fund | — | — | — | $66K | 0.9% | |
| Vanguard Balanced Index Fund | — | — | — | $31K | 0.4% | |
| Vanguard Mid-Cap Growth Index Fund | — | — | — | $20K | 0.3% | |
| Vanguard Small-Cap Growth Index Fund | — | — | — | $16K | 0.2% | |
| Vanguard Mid-Cap Index Fundb | — | — | — | $15K | 0.2% | |
| Vanguard Small Cap Value Index Fund | — | — | — | $10K | 0.1% | |
| Participant Loans | — | — | — | $10K | 0.1% | |
| Vanguard Real Estate Income Fund | — | — | — | $9K | 0.1% | |
| Vanguard Mid-Cap Value Index Fund | — | — | — | $8K | 0.1% | |
| Dodge & Cox Income Fundb | — | — | — | $3K | <0.1% | |
| Fidelity Small Cap Index Fund | — | — | — | $3K | <0.1% | |
| Vanguard Total International Stock Index Fund | — | — | — | $1K | <0.1% | |
| Schwab Treasury Inflation Protected Securities Index Fund | — | — | — | $632 | <0.1% | |
| Principal Global Real Estate Securities Fund | — | — | — | $15 | <0.1% |
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