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Original filing (PDF)20251013142222NAL0000711059001
READYCAP COMMERCIAL, LLC
Form 5500
FILING_RECEIVED
READYCAP COMMERCIAL 401(K) PLAN
401(k) retirement plan
Active participants
214
Accounts w/ balance
286
Plan assets (EOY)
$23.8M
Net assets (EOY)
$23.8M
How this plan invests
This plan
1 pooled trust
Schedule D
38 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
95
/ 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
80
Vendor stack
100
Participation health
100
Knocking points off
- 40 bps in Schedule C fees — modestly above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for READYCAP COMMERCIAL, LLC.
Plan sponsor
Name
READYCAP COMMERCIAL, LLC
EIN
46-1043031
Address
200 CONNELL DRIVE · SUITE 4000 · BERKELEY HEIGHTS, NJ · 07922
Phone
(973) 577-4736
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
2025-10-13
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)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
CLIFTONLARSONALLEN LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $71K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| OPPENHEIMER & CO INC | 13-5657518 | — | ADVISOR | $23K | — |
Investments
37 direct securities · 1 pooled fund· $23.2M(97% 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
$23.0M
37 holdings
Common Collective Trust
$142K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Investments Total Market Index Fund | — | — | — | $3.0M | 12.6% | |
| MFS Investment Management Moderate Allocation Fund Class I | — | — | — | $2.2M | 9.4% | |
| Fidelity Investments 500 Index Fund | — | — | — | $2.1M | 9.0% | |
| Fidelity Investments 2030 Freedom Fund | — | — | — | $2.1M | 8.9% | |
| Fidelity Investments 2050 Freedom Fund | — | — | — | $1.9M | 7.9% | |
| Fidelity Investments 2035 Freedom Fund | — | — | — | $1.7M | 7.1% | |
| Fidelity Investments 2045 Freedom Fund | — | — | — | $1.3M | 5.4% | |
| Fidelity Investments 2040 Freedom Fund | — | — | — | $1.2M | 4.9% | |
| Fidelity Investments 2025 Freedom Fund | — | — | — | $1.1M | 4.7% | |
| Vanguard Group Windsor II Fund Admiral Shares | — | — | — | $1.0M | 4.2% | |
| JP Morgan Growth Advantage Fund Class R6 | — | — | — | $981K | 4.1% | |
| Fidelity Investments 2055 Freedom Fund | — | — | — | $816K | 3.4% | |
| Fidelity Investments 2060 Freedom Fund | — | — | — | $586K | 2.5% | |
| Victory Sycamore Established Value Fund Class R6 | — | — | — | $337K | 1.4% | |
| Fidelity Investments Mid Cap Index Fund | — | — | — | $330K | 1.4% | |
| American Funds New Perspective Fund Class R6 | — | — | — | $287K | 1.2% | |
| Fidelity Investments Small Cap Index Fund | — | — | — | $274K | 1.2% | |
| Eaton Vance Atlanta Capital SMID-Cap Fund Class R6 | — | — | — | $246K | 1.0% | |
| Fidelity Investments Puritan Fund | — | — | — | $227K | 1.0% | |
| Fidelity Investments US Bond Index Fund | — | — | — | $212K | 0.9% | |
| Notes Receivable from Participants maturing through October 2029 - | — | — | — | $212K | 0.9% | |
| PUTNAM STABLE VALUE FUND FIDELITY INVESTMENTS INSTITUTIONAL · EIN 04-2647786 / PN 001 | Common Collective Trust | — | — | $142K | 0.6% | |
| American Beacon Small Cap Values Fund Class Inst. | — | — | — | $133K | 0.6% | |
| Fidelity Investments International Index Fund | — | — | — | $130K | 0.5% | |
| Fidelity Investments Real Estate Index Fund | — | — | — | $129K | 0.5% | |
| Fidelity Investments 2020 Freedom Fund | — | — | — | $102K | 0.4% | |
| Janus Henderson Venture Fund Class I | — | — | — | $90K | 0.4% | |
| JP Morgan Core Plus Bond Fund Class R6 | — | — | — | $56K | 0.2% | |
| Dimensional Fund Advisors Inflation-Protected Securities Portfolio | — | — | — | $46K | 0.2% | |
| Delaware Funds by Macquarie Emerging Markets Fund Class R6 | — | — | — | $42K | 0.2% | |
| Eaton Vance Income Fund of Boston Class R6 | — | — | — | $42K | 0.2% | |
| Fidelity Investments Overseas Fund | — | — | — | $37K | 0.2% | |
| American Funds Europacific Growth Fund Class R6 | — | — | — | $30K | 0.1% | |
| MFS Investment Management Growth Allocation Fund Class I | — | — | — | $30K | 0.1% | |
| Putnam Global Income Trust Class Y | — | — | — | $21K | <0.1% | |
| MFS Investment Management Conservative Allocation Fund Class I | — | — | — | $21K | <0.1% | |
| Fidelity Investments 2065 Freedom Fund | — | — | — | $10K | <0.1% | |
| MFS Investment Management Aggregate Growth Allocation Fund Class I | — | — | — | $8K | <0.1% |
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