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Original filing (PDF)20250917170709NAL0000357091001
LIGHTSPEED POS USA INC.
Form 5500
FILING_RECEIVED
LIGHTSPEED COMMERCE 401(K) PLAN
401(k) retirement plan
Active participants
239
Accounts w/ balance
451
Plan assets (EOY)
$22.8M
Net assets (EOY)
$22.8M
How this plan invests
This plan
38 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
100
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- 51 bps in Schedule C fees — 77% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for LIGHTSPEED POS USA INC..
Plan sponsor
Name
LIGHTSPEED POS USA INC.
EIN
39-2080084
Address
460 PARK AVENUE S · 7TH FLOOR · NEW YORK, NY · 10016
Phone
(514) 907-1801
Industry
All Other Professional Services· Professional & Technical Servicessee 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
2025-09-17
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)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
PKF O'CONNOR DAVIES, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER LIFE & ANNUITY INSURANCE CO | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $54K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES INC. DBA | — | NEW YORK, NY | CONTRACT ADMI N | $52K | — |
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $11K | — |
Investments
36 direct securities· $23.3M(100% of reported assets)
Uncategorized
$17.6M
34 holdings
Mutual Funds
$5.3M
1 holding
Guaranteed Income / GIC
$392K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| S SHARES / UNITS Vanguard Target Retirement 2055 Inv | Mutual Funds | — | $95K | $5.3M | 23.1% | |
| Vanguard Target Retirement 2050 Inv | — | — | $85K | $4.3M | 18.7% | |
| Vanguard Target Retirement 2060 Inv | — | — | $59K | $3.0M | 13.3% | |
| Vanguard Target Retirement 2045 Inv | — | — | $72K | $2.1M | 9.4% | |
| Fidelity 500 Index | — | — | $10K | $2.0M | 8.6% | |
| Vanguard Target Retirement 2065 Inv | — | — | $46K | $1.6M | 6.8% | |
| Fidelity International Index | — | — | $12K | $585K | 2.6% | |
| Vanguard Total Bond Market Index Admiral | — | — | $49K | $462K | 2.0% | |
| * Empower Investments Fixed Account - Series Class I | Guaranteed Income / GIC | — | — | $392K | 1.7% | |
| EI FIXED ACCOUNT - SERIES CLAS FIXED ANNUITIES | — | — | — | $384K | 1.7% | |
| Fidelity Small Cap Index | — | — | $14K | $380K | 1.7% | |
| Vanguard Growth & Income Adm | — | — | $3K | $309K | 1.4% | |
| Fidelity Emerging Markets Index | — | — | $27K | $282K | 1.2% | |
| Vanguard Target Retirement 2035 Inv | — | — | $11K | $273K | 1.2% | |
| Vanguard Mid Cap Index Fund - Admiral 731 | — | — | — | $239K | 1.0% | |
| American Funds New Perspective R6 | — | — | $4K | $218K | 1.0% | |
| Vanguard Target Retirement 2040 Inv | — | — | $5K | $208K | 0.9% | |
| Fidelity Inflation Protected Bond Index | — | — | $20K | $176K | 0.8% | |
| PARTICIPANT LOANS INTEREST RATE: 4.25-10.5% | — | — | — | $145K | 0.6% | |
| 10.50% with maturities through 2029 | — | — | — | $145K | 0.6% | |
| JPMorgan Equity Income R6 | — | — | $6K | $135K | 0.6% | |
| MFS Growth R6 662 | — | — | — | $135K | 0.6% | |
| Vanguard Real Estate Index Admiral 886 | — | — | — | $112K | 0.5% | |
| Vanguard Target Retirement Income Inv | — | — | $7K | $88K | 0.4% | |
| Allspring Special Mid Cap Value R6 | — | — | $1K | $63K | 0.3% | |
| Vanguard Small Cap Growth Index Admiral 513 | — | — | — | $51K | 0.2% | |
| PIMCO Income Instl | — | — | $4K | $47K | 0.2% | |
| Vanguard International Growth Adm 356 | — | — | — | $36K | 0.2% | |
| BlackRock High Yield Bond Portfolio K | — | — | $5K | $35K | 0.2% | |
| JPMorgan U.S. Small Company R6 | — | — | $2K | $34K | 0.1% | |
| Undiscovered Mgrs Behavioral Value R6 396 | — | — | — | $33K | 0.1% | |
| Vanguard Target Retirement 2030 Inv 850 | — | — | — | $32K | 0.1% | |
| JPMorgan Core Plus Bond R6 | — | — | $4K | $29K | 0.1% | |
| American Century Heritage R6 | — | — | $1K | $29K | 0.1% | |
| AMERICAN FUNDS AMERICAN BALANC MUTUAL FUNDS | — | — | — | $12K | <0.1% | |
| American Funds American Balanced R6 336 | — | — | — | $12K | <0.1% |
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