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Original filing (PDF)20251013134225NAL0003081298001
H2O.AI, INC.
Form 5500
FILING_RECEIVED
H2O.AI, INC. 401(K) PLAN
401(k) retirement plan
Active participants
57
Accounts w/ balance
122
Plan assets (EOY)
$10.1M
Net assets (EOY)
$10.1M
How this plan invests
This plan
13 pooled trusts
Schedule D
34 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
- 56 bps in Schedule C fees — 93% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for H2O.AI, INC..
Plan sponsor
Name
H2O.AI, INC.
EIN
45-4660094
Address
2307 LEGHORN STREET · MOUNTAIN VIEW, CA · 940431609
Phone
(650) 603-6945
Industry
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
2025-10-13
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
SENSIBA LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NEWFRONT RETIREMENT SERVICES, INC. | 80-0833114 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $57K | — |
Investments
21 direct securities · 13 pooled funds· $10.3M(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.
Common Collective Trust
$6.4M
10 holdings
Uncategorized
$2.2M
21 holdings
Pooled Separate Account
$1.7M
3 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| PRIN LGCP S&P 500 INDEX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 016 | Pooled Separate Account | — | — | $1.3M | 13.2% | |
| PRIN LIFETIME HYBR 2045 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 008 | Common Collective Trust | — | — | $1.3M | 13.1% | |
| PRIN LIFETIME HYBR 2040 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 007 | Common Collective Trust | — | — | $1.2M | 11.5% | |
| PRIN LIFETIME HYBR 2050 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 009 | Common Collective Trust | — | — | $1.1M | 11.0% | |
| PRIN LIFETIME HYBR 2030 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 005 | Common Collective Trust | — | — | $668K | 6.6% | |
| PRIN LIFETIME HYBR 2055 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 010 | Common Collective Trust | — | — | $667K | 6.6% | |
| PRIN LIFETIME HYBR 2025 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 004 | Common Collective Trust | — | — | $626K | 6.2% | |
| PRIN LIFETIME HYBR 2060 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 012 | Common Collective Trust | — | — | $388K | 3.8% | |
| PRIN LIFETIME HYBR 2035 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 006 | Common Collective Trust | — | — | $370K | 3.7% | |
| Lord Abbett Short Duration Income R2 Fund Mutual Fund | — | — | — | $256K | 2.5% | |
| BlackRock Health Sciences Opportunities R Fund Mutual Fund | — | — | — | $246K | 2.4% | |
| PIMCO Short-Term Fund Mutual Fund | — | — | — | $243K | 2.4% | |
| Janus Henderson Enterprise Fund Class N Mutual Fund | — | — | — | $217K | 2.1% | |
| JPMorgan Equity Income Fund Class R6 Mutual Fund | — | — | — | $202K | 2.0% | |
| PRIN SMCAP S&P 600 INDEX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 028 | Pooled Separate Account | — | — | $182K | 1.8% | |
| PRIN MIDCAP S&P 400 IDX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 023 | Pooled Separate Account | — | — | $177K | 1.7% | |
| Victory Sycamore Established Value Fund Mutual Fund | — | — | — | $175K | 1.7% | |
| Columbia Seligman Technology and Information Fund Institutional 3 Class Mutual Fund | — | — | — | $159K | 1.6% | |
| MFS International Diversification Fund Class R6 Mutual Fund | — | — | — | $132K | 1.3% | |
| PIMCO Income Fund Mutual Fund | — | — | — | $124K | 1.2% | |
| (E) | — | — | — | $75K | 0.7% | |
| Notes receivable from participants Maturing through 2029 | — | — | — | $75K | 0.7% | |
| Janus Henderson Triton Fund Class N Mutual Fund | — | — | — | $69K | 0.7% | |
| Royce Small-Cap Opportunity Fund Mutual Fund | — | — | — | $45K | 0.4% | |
| (E) | — | — | $2K | $45K | 0.4% | |
| (E) | — | — | — | $40K | 0.4% | |
| Alger Capital Appreciation Institutional Fund Class Y Mutual Fund | — | — | — | $40K | 0.4% | |
| Neuberger Berman Real Estate Fund Class R6 Mutual Fund | — | — | — | $36K | 0.4% | |
| PRIN LIFETIME HYBR 2065 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 013 | Common Collective Trust | — | — | $25K | 0.2% | |
| JP Morgan Core Plus Bond Fund Class R6 Mutual Fund | — | — | — | $13K | 0.1% | |
| JP Morgan Core Bond Fund Class R6 Mutual Fund | — | — | — | $8K | <0.1% | |
| Columbia Emerging Markets Fund Institutional 3 Class Mutual Fund | — | — | — | $4K | <0.1% | |
| PIMCO Commodity RealReturn Strategy Fund Institutional Class Mutual Fund | — | — | — | $2K | <0.1% | |
| PRIN LIFETIME HYBR 2020 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 003 | Common Collective Trust | — | — | $1K | <0.1% |