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Original filing (PDF)20251008220052NAL0003265667035
POINT DIGITAL FINANCE, INC.
Form 5500
FILING_RECEIVED
POINT DIGITAL FINANCE 401(K) PLAN
401(k) retirement plan
Signals · 1
41% in single holding
Active participants
165
Accounts w/ balance
177
Plan assets (EOY)
$10.6M
Net assets (EOY)
$10.6M
How this plan invests
This plan
29 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
96
/ 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
80
Total plan cost
100
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "Vanguard Total Stock Market Index Fund Admiral Shares" is 41% of plan.
Helping the score
- Below-peer total fees (7 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for POINT DIGITAL FINANCE, INC..
Plan sponsor
Name
POINT DIGITAL FINANCE, INC.
EIN
47-2305386
Address
444 HIGH ST FL 4 · PALO ALTO, CA · 94301
Phone
(650) 460-8668
Industry
Real Estatesee all
Plan administrator
Name
GUIDELINE RK, LLC
EIN
30-1418950
City
BURLINGAME, CA
Phone
(888) 228-3491
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
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
FRANK, RIMERMAN + CO. LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsCustodian
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BENEFIT TRUST COMPANY | 43-1971558 | — | CUSTODIAN | $0 | — |
Recordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| GUIDELINE, INC. | 47-4474775 | — | RECORDKEEPER | $8K | — |
Investments
29 direct securities· $10.6M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Total Stock Market Index Fund Admiral Shares | — | — | — | $4.3M | 40.6% | |
| Vanguard Developed Markets Index Fund Admiral Shares | — | — | — | $1.6M | 14.6% | |
| Vanguard Growth Index Fund Admiral Shares | — | — | — | $1.1M | 10.2% | |
| Vanguard Total Bond Market Index Fund Admiral Shares | — | — | — | $1.0M | 9.7% | |
| Vanguard Emerging Markets Stock Index Fund Admiral Shares | — | — | — | $795K | 7.5% | |
| Vanguard Real Estate Index Fund Admiral Shares | — | — | — | $379K | 3.6% | |
| Vanguard 500 Index Fund Admiral Shares | — | — | — | $366K | 3.4% | |
| Vanguard Total International Bond Index Fund Admiral Shares | — | — | — | $344K | 3.2% | |
| Vanguard Information Technology Index Fund Admiral Shares | — | — | — | $107K | 1.0% | |
| Participant loans receivable - 9 loans outstanding with interest rates ranging from 4.25% to 9.50% - | — | — | — | $107K | 1.0% | |
| Vanguard Total International Stock Index Fund Admiral Shares | — | — | — | $101K | 0.9% | |
| Vanguard Financials Index Fund Admiral Shares | — | — | — | $60K | 0.6% | |
| Vanguard Small-Cap Index Fund Admiral Shares | — | — | — | $48K | 0.5% | |
| Vanguard International Dividend Appreciation ETF ** 331 Vanguard European Stock Index Fund Admiral Shares ** 332 * Non-interest bearing cash | — | — | $43K | $43K | 0.4% | |
| Vanguard Health Care Index Fund Admiral Shares | — | — | — | $43K | 0.4% | |
| Vanguard Mid-Cap Index Fund Admiral Shares | — | — | — | $38K | 0.4% | |
| Vanguard Cash Reserves Federal Money Market Fund Admiral Shares | — | — | — | $35K | 0.3% | |
| Vanguard Small Cap Value Index Fund Admiral Shares | — | — | — | $32K | 0.3% | |
| Vanguard Extended Market Index Fund Admiral Shares | — | — | — | $27K | 0.3% | |
| Vanguard Value Index Fund Admiral Shares | — | — | — | $26K | 0.2% | |
| Vanguard Short-Term Inflation-Protected Securities Index Fund Admiral Shares | — | — | — | $19K | 0.2% | |
| Vanguard FTSE Social Index Fund Admiral | — | — | — | $18K | 0.2% | |
| Vanguard Industrials Index Fund Admiral Shares ** 694 Vanguard Dividend Appreciation Index Fund Admiral Shares | — | — | — | $18K | 0.2% | |
| Vanguard Mid-Cap Value Index Fund Admiral Shares | — | — | — | $11K | 0.1% | |
| Vanguard Mid-Cap Growth Index Fund Admiral Shares | — | — | — | $11K | 0.1% | |
| Vanguard Communication Services Index Fund | — | — | — | $10K | <0.1% | |
| Vanguard Energy Index Fund Admiral Shares | — | — | — | $10K | <0.1% | |
| Vanguard Short-Term Bond Index Fund Admiral Shares | — | — | — | $4K | <0.1% | |
| Vanguard High Dividend Yield Index Fund Admiral Shares | — | — | — | $3K | <0.1% |