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Original filing (PDF)20251007111100NAL0004483025001
THEKEY
Form 5500
FILING_RECEIVED
THEKEY 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
9,548
Accounts w/ balance
1,587
Plan assets (EOY)
$32.3M
Net assets (EOY)
$32.3M
How this plan invests
This plan
25 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
84
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
65
Vendor stack
80
Participation health
65
Knocking points off
- 59 bps in Schedule C fees — 102% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
- Only 17% 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 THEKEY.
Plan sponsor
Name
THEKEY
EIN
37-1616114
Address
7777 FAY AVE · SUITE 210 · LA JOLLA, CA · 92037
Phone
(888) 874-8088
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
2025-10-07
Pension benefit codes
2E · Profit-sharing
3D · Pre-approved plan (master / prototype / VS)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2F · ERISA section 404(c)
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
CRAWFORD PIMENTEL CORPORATION
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SHAREBUILDER ADVISOR LLC | — | SEATTLE, WA | NONE | $130K | — |
| ASCENSUS LLC | 11-3665754 | — | NONE | $60K | — |
Investments
25 direct securities· $32.2M(100% of reported assets)
Uncategorized
$31.6M
24 holdings
Real Estate
$608K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Schwab U.S. Large-Cap Growth ETF Schwab 0 | — | — | — | $4.8M | 15.0% | |
| Vanguard Total Bond Market ETF Vanguard 0 | — | — | — | $4.6M | 14.4% | |
| Vanguard S&P 500 ETF Vanguard 0 | — | — | — | $2.8M | 8.6% | |
| Vanguard Value Index ETF Vanguard 0 | — | — | — | $2.5M | 7.6% | |
| iShares 0-5 Year TIPS Bond ETF iShares 0 | — | — | — | $2.4M | 7.6% | |
| Invesco QQQ Trust Invesco 0 | — | — | — | $2.4M | 7.6% | |
| Schwab U.S. Small-Cap ETF Schwab 0 | — | — | — | $2.3M | 7.0% | |
| Schwab Short-Term U.S. Treasury ETF Schwab 0 | — | — | — | $2.1M | 6.5% | |
| SPDR Index Ptf Devel World ex-US ETF SPDR 0 | — | — | — | $2.0M | 6.3% | |
| Vanguard Mid Cap Index ETF Vanguard 0 | — | — | — | $2.0M | 6.3% | |
| Various Rates and Maturities Participant's Loan Account 0 | — | — | — | $779K | 2.4% | |
| Vanguard Cash Reserves Federal MM Adm Vanguard 0 | — | — | — | $750K | 2.3% | |
| SPDR S&P Emerging Markets ETF SPDR 0 | — | — | — | $660K | 2.0% | |
| Select Sector SPDR ETF SPDR 0 | Real Estate | — | — | $608K | 1.9% | |
| Schwab US Dividend Equity ETF Schwab 0 | — | — | — | $343K | 1.1% | |
| SPDR Dow Jones Industrial Average ETF SPDR 0 | — | — | — | $308K | 1.0% | |
| Aberdeen Standard Gold ETF Trust Aberdeen 0 | — | — | — | $171K | 0.5% | |
| iShares ESG MSCI KLD 400 ETF iShares 0 | — | — | — | $128K | 0.4% | |
| SPDR S&P 500 Fossil Fuel Res Free ETF SPDR 0 | — | — | — | $118K | 0.4% | |
| Vanguard Interm-Term Treas Index ETF Vanguard 0 | — | — | — | $67K | 0.2% | |
| iShares Core Intl Aggregate Bond ETF iShares 0 | — | — | — | $60K | 0.2% | |
| Vanguard Emerging Markets Govt Bond ETF Vanguard 0 | — | — | — | $56K | 0.2% | |
| iShares ESG Aware MSCI USA ETF iShares 0 | — | — | — | $48K | 0.1% | |
| Invesco DB Commodity Index Tracking Invesco 0 | — | — | — | $26K | <0.1% | |
| Contribution Account Ascensus Trust Company 0 | — | — | — | $12K | <0.1% |
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