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Original filing (PDF)20251015163217NAL0006932624001
WISE US, INC.
Form 5500
FILING_RECEIVED
WISE US, INC. 401(K) PLAN
401(k) retirement plan
Signals · 2
~91 bps in Sched C feesNo recordkeeper disclosed
Active participants
761
Accounts w/ balance
816
Plan assets (EOY)
$14.8M
Net assets (EOY)
$14.8M
How this plan invests
This plan
5 pooled trusts
Schedule D
32 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
80
Participation health
100
Knocking points off
- 91 bps in Schedule C fees — 212% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for WISE US, INC..
Plan sponsor
Name
WISE US, INC.
EIN
45-3233521
Address
FOUNTAIN SQUARE 2, · 4925 INDEPENDENCE PARKWAY FLOOR 3 · TAMPA, FL · 33634
Phone
(727) 325-7320
Industry
Finance & Insurancesee 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
2025-10-15
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)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
PENSION ASSURANCE LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WILSHIRE ADVISORS LLC | 95-2755361 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $134K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PENSION ASSURANCE | 30-0840934 | — | ACCOUNTANT | $0 | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL SECURITIES INC | 42-0941553 | — | OTHER SERVICES | $0 | — |
Investments
27 direct securities · 5 pooled funds· $14.8M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Uncategorized
$13.8M
27 holdings
Pooled Separate Account
$1.1M
5 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard International Value Fund | — | — | — | $2.2M | 14.5% | |
| Principal Life Insurance Company Fixed Income Guaranteed Option | — | — | — | $1.8M | 12.1% | |
| BlackRock iShares U.S. Aggregate Bond Index K Fund | — | — | — | $1.8M | 11.8% | |
| Vanguard Growth Index Admiral Fund | — | — | — | $1.6M | 11.0% | |
| Vanguard Value Index Admiral Fund | — | — | — | $1.3M | 8.9% | |
| Vanguard Target Retirement 2050 Inv Fund | — | — | — | $1.2M | 7.8% | |
| PRIN MIDCAP S&P 400 IDX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 023 | Pooled Separate Account | — | — | $939K | 6.3% | |
| Vanguard MidCap Value Index Admiral Fund | — | — | — | $742K | 5.0% | |
| Hartford Mutual Funds Hartford Core Equity R6 Fund | — | — | — | $719K | 4.8% | |
| Vanguard SmallCap Growth Index Admiral Fund | — | — | — | $680K | 4.6% | |
| Vanguard Target Retirement 2045 Inv Fund | — | — | — | $570K | 3.8% | |
| Participant Loans to participants bearing interest from 5.75% to 9.50% | — | — | — | $305K | 2.1% | |
| Vanguard Target Retirement 2055 Inv Fund | — | — | — | $214K | 1.4% | |
| Vanguard Target Retirement 2065 Inv Fund | — | — | — | $154K | 1.0% | |
| Vanguard Target Retirement 2060 Inv Fund | — | — | — | $136K | 0.9% | |
| Vanguard Target Retirement 2040 Inv Fund | — | — | — | $129K | 0.9% | |
| PRIN BLUE CHIP SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 133 | Pooled Separate Account | — | — | $79K | 0.5% | |
| Vanguard Target Retirement 2070 Inv Fund | — | — | — | $73K | 0.5% | |
| Vanguard FTSE Social Index Admiral Fund | — | — | — | $61K | 0.4% | |
| Vanguard International Growth Index Admiral Fund | — | — | — | $47K | 0.3% | |
| MFS New Discovery R6 Fund | — | — | — | $39K | 0.3% | |
| PGIM Investments PGIM Jennison MidCap Growth R6 Fund | — | — | — | $30K | 0.2% | |
| PRIN SMCAP S&P 600 INDEX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 028 | Pooled Separate Account | — | — | $14K | <0.1% | |
| PRIN SMCAP GROWTH I SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 070 | Pooled Separate Account | — | — | $13K | <0.1% | |
| PRIN MIDCAP VALUE I SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 043 | Pooled Separate Account | — | — | $13K | <0.1% | |
| PGIM Investments PGIM High Yield R6 Fund | — | — | — | $11K | <0.1% | |
| Capital Research and Management Company American Funds American Mutual R6 Fund | — | — | — | $10K | <0.1% | |
| Dimensional Fund Advisors DFA Global Real Estate Securities I Fund ** 857 JP Morgan JP Morgan International Equity R6 Fund | — | — | — | $6K | <0.1% | |
| Hartford Mutual Funds Hartford Dividend and Growth R6 Fund | — | — | — | $5K | <0.1% | |
| Capital Research and Management Company American Funds New World R6 Fund | — | — | — | $4K | <0.1% | |
| Vanguard Target Retirement 2035 Inv Fund | — | — | — | $2K | <0.1% | |
| Vanguard Target Retiremnt Income Inv Fund ** 1 Vanguard Target Retirement 2020 Inv Fund ** 161 Vanguard Target Retirement 2025 Inv Fund ** 313 Vanguard Target Retirement 2030 Inv Fund | — | — | — | $1K | <0.1% |
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