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Original filing (PDF)20250908110414NAL0019359569001
UPSTART NETWORK, INC.
Form 5500
FILING_RECEIVED
UPSTART NETWORK, INC. 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
1,179
Accounts w/ balance
1,474
Plan assets (EOY)
$97.9M
Net assets (EOY)
$97.9M
How this plan invests
This plan
1 pooled trust
Schedule D
36 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
98
/ 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
100
Vendor stack
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (9 bps vs 16 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for UPSTART NETWORK, INC..
Plan sponsor
Name
UPSTART NETWORK, INC.
EIN
45-4660612
Address
2950 S. DELAWARE ST., SUITE 300 · SAN MATEO, CA · 94403
Phone
(650) 204-1000
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
2025-09-08
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
CROWE LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SCHWAB RETIREMENT PLAN SERVICES,INC | 34-1479833 | — | NONE | $85K | — |
| CHARLES SCHWAB & CO.,INC. | 94-1737782 | — | NONE | $23 | — |
Investments
29 direct securities · 1 pooled fund· $101.7M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Uncategorized
$100.4M
29 holdings
Common Collective Trust
$1.3M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Institutional Index Fund Mutual fund | — | — | — | $23.4M | 23.9% | |
| Schwab Target 2055 Index Fund Mutual fund | — | — | — | $9.0M | 9.2% | |
| Schwab Target 2050 Index Fund Mutual fund | — | — | — | $8.3M | 8.4% | |
| Vanguard Growth Index Admiral Fund Mutual fund | — | — | — | $7.3M | 7.4% | |
| VANGUARD DEVELOPED MKT IDX ADM Registered Investment Company | — | — | — | $6.2M | 6.3% | |
| Schwab Target 2060 Index Fund Mutual fund | — | — | — | $5.5M | 5.6% | |
| Schwab Target 2045 Index Fund Mutual fund | — | — | — | $4.5M | 4.6% | |
| Vanguard Small Cap Index Admiral Fund Mutual fund | — | — | — | $4.4M | 4.4% | |
| VANGUARD EMRG MKTS INDEX ADM Registered Investment Company | — | — | — | $3.3M | 3.4% | |
| Schwab Target 2040 Index Fund Mutual fund | — | — | — | $3.1M | 3.1% | |
| JPMORGAN INTL EQT FD CL R6 Registered Investment Company | — | — | — | $3.0M | 3.0% | |
| JPMorgan International Equity Fund Mutual fund | — | — | — | $3.0M | 3.0% | |
| Vanguard Mid Cap Index Admiral Fund Mutual fund | — | — | — | $3.0M | 3.0% | |
| Columbia Dividend Income Institutional Fund Mutual fund | — | — | — | $2.3M | 2.4% | |
| VANGUARD INTERM TERM BD IDX A Registered Investment Company | — | — | — | $2.1M | 2.2% | |
| Gabelli US Treasury Cash equivalent | — | — | — | $1.9M | 1.9% | |
| Personal Choice Retirement Fund Self-directed brokerage | — | — | — | $1.8M | 1.8% | |
| Schwab Target 2065 Index Fund Mutual fund | — | — | — | $1.5M | 1.6% | |
| COHEN & STEERS U.S. REALTY FUND COHEN & STEERS COLLEC INVEST TRUST · EIN 46-3411345 / PN 064 | Common Collective Trust | — | — | $1.3M | 1.3% | |
| Schwab Target 2035 Index Fund Mutual fund | — | — | — | $919K | 0.9% | |
| Party in Borrower, Lessor, or Description of (d) Current Interest Similar Party Investment Cost Value American Century Small Cap Value Fund Mutual fund | — | — | — | $908K | 0.9% | |
| BLACKROCK MD CAP GWTH PORT K Registered Investment Company | — | — | — | $793K | 0.8% | |
| 4.25% - 9.50% | — | — | — | $777K | 0.8% | |
| PARTICIPANT LOANS (4.25% - 9.50%) | — | — | — | $777K | 0.8% | |
| Schwab Target 2030 Index Fund Mutual fund | — | — | — | $660K | 0.7% | |
| Schwab Target 2025 Index Fund Mutual fund | — | — | — | $659K | 0.7% | |
| Voya Small Cap Growth Fund Mutual fund | — | — | — | $554K | 0.6% | |
| MFS MID CAP VALUE R6 Registered Investment Company | — | — | — | $530K | 0.5% | |
| Schwab Target 2010 Index Fund Mutual fund | — | — | — | $315K | 0.3% | |
| Schwab Target 2020 Index Fund Mutual fund | — | — | — | $65K | <0.1% |
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