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Original filing (PDF)20251005011154NAL0001364387001
INCLOUD LLC
Form 5500
FILING_RECEIVED
ONTRA 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
329
Accounts w/ balance
321
Plan assets (EOY)
$20.2M
Net assets (EOY)
$20.2M
How this plan invests
This plan
39 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
92
/ 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
75
Vendor stack
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Helping the score
- No Schedule C compensation disclosed — likely a small plan or unbundled.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for INCLOUD LLC.
Plan sponsor
Name
INCLOUD LLC
EIN
46-5342154
Address
2041 EAST ST PMB 39 · CONCORD, CA · 945202126
Phone
(415) 358-6460
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
2025-10-05
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
LEE CPA AUDIT GROUP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
No Schedule C providers reportedInvestments
39 direct securities· $20.0M(99% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2055 Fund Registered Investment Company | — | — | — | $4.6M | 22.6% | |
| Schwab Self-Direct Invest Fund V Self-Directed Brokerage Account | — | — | — | $2.2M | 11.0% | |
| Registered Investment Companies * Vanguard 500 Index Adm Registered Investment Company | — | — | — | $2.2M | 10.9% | |
| Vanguard Target Retirement 2050 Fund Registered Investment Company | — | — | — | $2.2M | 10.7% | |
| Vanguard Target Retirement 2060 Fund Registered Investment Company | — | — | — | $2.1M | 10.6% | |
| Vanguard Target Retirement 2045 Fund Registered Investment Company | — | — | — | $2.1M | 10.3% | |
| Vanguard Total Stock Market Index Adm Registered Investment Company | — | — | — | $1.8M | 8.8% | |
| Vanguard Target Retirement 2065 Fund Registered Investment Company | — | — | — | $416K | 2.1% | |
| Vanguard Growth Index Adm Registered Investment Company | — | — | — | $347K | 1.7% | |
| Vanguard Target Retirement 2040 Fund Registered Investment Company | — | — | — | $269K | 1.3% | |
| Vanguard Information Tech Index Adm Registered Investment Company | — | — | — | $257K | 1.3% | |
| Self-Directed Brokerage Accounts Schwab Self-Direct Cash Fund V Self-Directed Brokerage Account | — | — | — | $223K | 1.1% | |
| Vanguard Total Intl Stock Index Adm Registered Investment Company | — | — | — | $168K | 0.8% | |
| Vanguard Target Retirement 2035 Fund Registered Investment Company | — | — | — | $155K | 0.8% | |
| Vanguard Value Index Adm Registered Investment Company | — | — | — | $154K | 0.8% | |
| Vanguard Small-Cap Value Index Adm Registered Investment Company | — | — | — | $115K | 0.6% | |
| Vanguard Total Bond Market Index Adm Registered Investment Company | — | — | — | $114K | 0.6% | |
| Interest-bearing Cash * Vanguard Federal Money Market Interest-bearing Cash ** $ | — | — | — | $84K | 0.4% | |
| Vanguard Target Retirement 2025 Fund Registered Investment Company 11 * Vanguard Target Retirement 2030 Fund Registered Investment Company | — | — | — | $73K | 0.4% | |
| Vanguard Target Retirement 2070 Fund Registered Investment Company | — | — | — | $60K | 0.3% | |
| Vanguard Developed Mkts Index Adm Registered Investment Company | — | — | — | $52K | 0.3% | |
| Vanguard Small-Cap Growth Index Adm Registered Investment Company | — | — | — | $50K | 0.2% | |
| Vanguard Real Estate Index Adm Registered Investment Company | — | — | — | $47K | 0.2% | |
| Vanguard Health Care Index Adm Registered Investment Company | — | — | — | $40K | 0.2% | |
| Vanguard Emerging Mkts Stock Idx Adm Registered Investment Company | — | — | — | $36K | 0.2% | |
| Vanguard Small-Cap Index Adm Registered Investment Company | — | — | — | $36K | 0.2% | |
| Vanguard Extended Market Index Adm Registered Investment Company | — | — | — | $33K | 0.2% | |
| Participant Loans Interest rates at (9.00% ~ 9.50%) $0 | — | — | — | $26K | 0.1% | |
| Vanguard Financials Index Adm Registered Investment Company | — | — | — | $25K | 0.1% | |
| Vanguard Total Intl Bond Index Adm Registered Investment Company | — | — | — | $25K | 0.1% | |
| Vanguard Consumer Discretionary Idx Adm Registered Investment Company | — | — | — | $23K | 0.1% | |
| Vanguard Balanced Index Adm Registered Investment Company | — | — | — | $22K | 0.1% | |
| Vanguard Industrials Index Adm Registered Investment Company | — | — | — | $21K | 0.1% | |
| Vanguard Energy Index Adm Registered Investment Company | — | — | — | $20K | 0.1% | |
| Vanguard Consumer Services Adm Registered Investment Company | — | — | — | $11K | <0.1% | |
| Vanguard Utilities Index Adm Registered Investment Company | — | — | — | $9K | <0.1% | |
| Vanguard S-T Infl-Prot Sec Idx Adm Registered Investment Company | — | — | — | $6K | <0.1% | |
| Vanguard Consumer Staples Index Adm Registered Investment Company | — | — | — | $6K | <0.1% | |
| Vanguard Target Retirement Income Fund Registered Investment Company | — | — | — | $3K | <0.1% |
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