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Original filing (PDF)20251008125823NAL0009803184001
AG LLC
Form 5500
FILING_RECEIVED
CYBERPOINT INTERNATIONAL, LLC 401(K) PLAN
401(k) retirement plan
Signals · 1
9 service providers
Active participants
45
Accounts w/ balance
138
Plan assets (EOY)
$24.1M
Net assets (EOY)
$24.1M
How this plan invests
This plan
42 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
99
/ 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
88
Participation health
100
Knocking points off
- Highly fragmented vendor stack (9 disclosed providers, 5 categories).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for AG LLC.
Plan sponsor
Name
AG LLC
EIN
46-2722970
Address
7142 COLUMBIA GATEWAY DR., · SUITE 100 · COLUMBIA, MD · 21046
Phone
(410) 779-6700
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
2025-10-08
Pension benefit codes
2A · Age/service weighted or new comparability
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3B · Covers self-employed individuals
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
APRIO, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
9 rowsRecordkeeper
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE CO | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $66K | — |
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $9K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| LPL FINANCIAL | — | SAN DIEGO, CA | BROKER/ADVISOR | $0 | — |
| MMLIS | — | SPRINGFIELD, MA | BROKER/ADVISOR | $0 | — |
Broker
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| LPL FINANCIAL | — | SAN DIEGO, CA | BROKER/ADVISER | $0 | — |
| MMLIS | — | SPRINGIFLED, MA | BROKER/ADVISER | $0 | — |
TPA / Administrator
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NEWPORT GROUP INC | — | LAKE MARY, FL | CONTRACT ADMIN | $6K | — |
| NEWPORT GROUP | — | LAKE MARY, FL | CONTRACT ADMIN | $75 | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $710 | — |
Investments
42 direct securities· $24.1M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard 500 Index Fund Mutual Fund NR | — | — | — | $2.8M | 11.7% | |
| American Funds 2045 Target Date Retirement Fund Mutual Fund NR | — | — | — | $2.8M | 11.4% | |
| Vanguard Growth Index Fund Mutual Fund NR | — | — | — | $2.0M | 8.1% | |
| American Funds 2050 Target Date Retirement Fund Mutual Fund NR | — | — | — | $1.7M | 7.0% | |
| Vanguard Value Index Fund Mutual Fund NR | — | — | — | $1.3M | 5.3% | |
| American Funds Growth Fund of America Mutual Fund NR | — | — | — | $1.2M | 5.1% | |
| American Funds 2030 Target Date Retirement Fund Mutual Fund NR | — | — | — | $1.2M | 4.9% | |
| American Funds 2035 Target Date Retirement Fund Mutual Fund NR | — | — | — | $955K | 4.0% | |
| American Funds EuroPacific Growth Fund Mutual Fund NR | — | — | — | $926K | 3.8% | |
| General Account Investment Contract NR | — | — | — | $911K | 3.8% | |
| American Funds 2055 Target Date Retirement Fund Mutual Fund NR | — | — | — | $657K | 2.7% | |
| American Funds Investment Company of America Mutual Fund NR | — | — | — | $642K | 2.7% | |
| American Funds 2020 Target Date Retirement Fund Mutual Fund NR | — | — | — | $595K | 2.5% | |
| American Funds 2025 Target Date Retirement Fund Mutual Fund NR | — | — | — | $552K | 2.3% | |
| American Funds Capital World Growth and Income Fund Mutual Fund NR | — | — | — | $502K | 2.1% | |
| American Funds 2060 Target Date Retirement Fund Mutual Fund NR | — | — | — | $469K | 1.9% | |
| American Funds New Perspective Fund Mutual Fund NR | — | — | — | $465K | 1.9% | |
| Vanguard Small Cap Index Fund Mutual Fund NR | — | — | — | $449K | 1.9% | |
| Vanguard Mid-Cap Index Fund Mutual Fund NR | — | — | — | $437K | 1.8% | |
| Vanguard Mid-Cap Growth Index Fund Mutual Fund NR | — | — | — | $432K | 1.8% | |
| American Funds 2040 Target Date Retirement Fund Mutual Fund NR | — | — | — | $421K | 1.7% | |
| American Funds Bond Fund of America Mutual Fund NR | — | — | — | $404K | 1.7% | |
| American Funds Washington Mutual Fund Mutual Fund NR | — | — | — | $350K | 1.4% | |
| Vanguard Mid-Cap Value Index Fund Mutual Fund NR | — | — | — | $334K | 1.4% | |
| Vanguard Total Bond Market Index Fund Mutual Fund NR | — | — | — | $280K | 1.2% | |
| Vanguard Total International Stock Index Fund Mutual Fund NR | — | — | — | $273K | 1.1% | |
| Vanguard Small Cap Growth Index Fund Mutual Fund NR | — | — | — | $267K | 1.1% | |
| Vanguard Total International Bond Index Fund Mutual Fund NR | — | — | — | $199K | 0.8% | |
| American Funds International Growth and Income Fund Mutual Fund NR | — | — | — | $165K | 0.7% | |
| Vanguard Small Cap Value Index Fund Mutual Fund NR | — | — | — | $131K | 0.5% | |
| Vanguard High-Yield Corporate Fund Mutual Fund NR | — | — | — | $120K | 0.5% | |
| Various, bearing interest * Participant loans from 5.25% - 10.50% - | — | — | — | $114K | 0.5% | |
| Vanguard Intermediate-Term Treasury Index Fund Mutual Fund NR | — | — | — | $55K | 0.2% | |
| American Funds New World Fund Mutual Fund NR | — | — | — | $22K | <0.1% | |
| Vanguard Emerging Market Stock Index Fund Mutual Fund NR | — | — | — | $22K | <0.1% | |
| American Funds U.S. Government Security Fund Mutual Fund NR | — | — | — | $19K | <0.1% | |
| American Funds Income Fund of America Mutual Fund NR | — | — | — | $14K | <0.1% | |
| MassMutual US Government Money Market Fund Mutual Fund NR | — | — | — | $11K | <0.1% | |
| American Funds Small Cap World Fund Mutual Fund NR | — | — | — | $9K | <0.1% | |
| American Funds American Balanced Fund Mutual Fund NR | — | — | — | $7K | <0.1% | |
| American Funds Capital Income Builder Fund Mutual Fund NR | — | — | — | $6K | <0.1% | |
| American Funds 2010 Target Date Retirement Fund Mutual Fund NR | — | — | — | $1K | <0.1% |
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