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Original filing (PDF)20251011140534NAL0020600514001
EPCOR USA, INC.
Form 5500
FILING_RECEIVED
EPCOR USA INC. 401(K) SAVINGS PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
612
Accounts w/ balance
674
Plan assets (EOY)
$57.7M
Net assets (EOY)
$57.7M
How this plan invests
This plan
4 pooled trusts
Schedule D
26 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
- 30 bps in Schedule C fees — 86% above peer band of 16 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for EPCOR USA, INC..
Plan sponsor
Name
EPCOR USA, INC.
EIN
46-0525312
Address
2355 W PINNACLE PEAK ROAD · SUITE 300 · PHOENIX, AZ · 850271282
Phone
(602) 759-5972
Industry
Utilitiessee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-11
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
CBIZ CPAS P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MERCER INVESTMENT MANAGEMENT | 13-2834414 | — | INVESTMENT MANAGEMENT | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $171K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CBIZ CPAS P.C. | 43-1947695 | — | ACCOUNTANT | $0 | — |
Investments
23 direct securities · 4 pooled funds· $60.3M(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.
Uncategorized
$55.9M
22 holdings
Common Collective Trust
$2.4M
1 holding
Pooled Separate Account
$1.9M
3 holdings
Mutual Funds
$109K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Group Vanguard Tgt Rmt 2040 Inv Fund | — | — | — | $7.8M | 13.5% | |
| Vanguard Group Vanguard Tgt Rmt 2035 Inv Fund | — | — | — | $6.9M | 12.0% | |
| Vanguard Group Vanguard Tgt Rmt 2045 Inv Fund | — | — | — | $5.7M | 9.9% | |
| Vanguard Group Vanguard Tgt Rmt 2030 Inv Fund | — | — | — | $5.6M | 9.8% | |
| Vanguard Group Vanguard Tgt Rmt 2050 Inv Fund | — | — | — | $5.3M | 9.1% | |
| Fidelity Management & Research Fidelity 500 Index Fund | — | — | — | $4.1M | 7.2% | |
| Vanguard Group Vanguard Tgt Rmt 2055 Inv Fund | — | — | — | $3.2M | 5.6% | |
| Vanguard Group Vanguard Tgt Rmt 2025 Inv Fund | — | — | — | $2.8M | 4.8% | |
| Common collective trust Morley Capital Management Morley Stable Value Fund | — | — | — | $2.6M | 4.5% | |
| MORLEY STABLE VALUE FUND PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 93-6274329 / PN 001 | Common Collective Trust | — | — | $2.4M | 4.2% | |
| 9.50% -0- | — | — | — | $1.9M | 3.3% | |
| Vanguard Group Vanguard Tgt Rmt 2020 Inv Fund | — | — | — | $1.9M | 3.2% | |
| Vanguard Group Vanguard Tgt Rmt 2060 Inv Fund | — | — | — | $1.8M | 3.2% | |
| MFS Investment Management Mass Inv Growth Stk R6 Fd | — | — | — | $1.7M | 3.0% | |
| Vanguard Group Vanguard Equity-Inc Adm Fund | — | — | — | $1.1M | 2.0% | |
| PRIN SMCAP S&P 600 INDEX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 028 | Pooled Separate Account | — | — | $1.1M | 2.0% | |
| Vanguard Group Vanguard Tgt Rmt 2065 Inv Fund | — | — | — | $562K | 1.0% | |
| Capital Research and Management Company American Funds EuroPacific Growth R3 Fd | — | — | — | $562K | 1.0% | |
| MFS Investment Management Mass Inv Mid-cap Growth R6 Fd | — | — | — | $554K | 1.0% | |
| Vanguard Group Vanguard Tgt Rmt Inc Inv Fund | — | — | — | $491K | 0.9% | |
| PRIN MIDCAP S&P 400 IDX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 023 | Pooled Separate Account | — | — | $465K | 0.8% | |
| Fidelity Management & Research Fidelity Glb ex US Index Fd | — | — | — | $405K | 0.7% | |
| PGIM Investments, LLC PGIM Total Ret Bond R6 Fd | — | — | — | $392K | 0.7% | |
| American Beacon Amer Beacon Sm Cp Val R6 Fd | — | — | — | $299K | 0.5% | |
| PRIN MIDCAP VALUE I SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 043 | Pooled Separate Account | — | — | $247K | 0.4% | |
| Vanguard Group Vanguard Tgt Rmt 2070 Inv Fund | — | — | — | $135K | 0.2% | |
| Alliance Bernstein LP Alliance Bernstein Global Bond Fund | Mutual Funds | — | — | $109K | 0.2% |