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Original filing (PDF)20251013132711NAL0001399185001
SPAY, INC.
Form 5500
FILING_RECEIVED
SPAY 401(K) PLAN
401(k) retirement plan
Active participants
273
Accounts w/ balance
341
Plan assets (EOY)
$10.2M
Net assets (EOY)
$10.2M
How this plan invests
This plan
30 pooled trusts
Schedule D
21 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
100
/ 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
100
Participation health
100
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SPAY, INC..
Plan sponsor
Name
SPAY, INC.
EIN
47-4011165
Address
5360 LEGACY DRIVE · SUITE 150 · PLANO, TX · 75024
Phone
(469) 473-2919
Industry
Software Publishers· Information / Tech / Mediasee 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
COHNREZNICK LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA LIFE INSURANCE COMPANY | 39-0989781 | — | RECORDKEEPER | $24K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NOVA 401(K) ASSOCIATES LP | 20-1181458 | — | CONTRACT ADMIN | $6K | — |
Investments
12 direct securities · 30 pooled funds· $10.1M(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.
Common Collective Trust
$6.8M
10 holdings
Uncategorized
$2.6M
11 holdings
Mutual Funds
$778K
1 holding
Pooled Separate Account
$0
20 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| TRANSAMERICA FUTUREFOCUS (SM) 2050 TRANSAMERICA RET SOLUTIONS CORP · EIN 04-6784256 / PN 001 | Common Collective Trust | — | — | $1.9M | 18.6% | |
| TRANSAMERICA FUTUREFOCUS (SM) 2055 TRANSAMERICA RET SOLUTIONS CORP · EIN 04-6784256 / PN 001 | Common Collective Trust | — | — | $1.3M | 13.2% | |
| TRANSAMERICA FUTUREFOCUS (SM) 2040 TRANSAMERICA RET SOLUTIONS CORP · EIN 04-6784256 / PN 001 | Common Collective Trust | — | — | $884K | 8.7% | |
| TRANSAMERICA FUTUREFOCUS (SM) 2030 TRANSAMERICA RET SOLUTIONS CORP · EIN 04-6784256 / PN 001 | Common Collective Trust | — | — | $872K | 8.6% | |
| Franklin Templeton Franklin Growth Fund | Mutual Funds | — | — | $778K | 7.7% | |
| TRANSAMERICA FUTUREFOCUS (SM) 2045 TRANSAMERICA RET SOLUTIONS CORP · EIN 04-6784256 / PN 001 | Common Collective Trust | — | — | $705K | 6.9% | |
| JP Morgan JPMorgan US Equity Fund | — | — | — | $695K | 6.8% | |
| TRANSAMERICA FUTUREFOCUS (SM) 2035 TRANSAMERICA RET SOLUTIONS CORP · EIN 04-6784256 / PN 001 | Common Collective Trust | — | — | $613K | 6.0% | |
| Putnam Investments Putnam Small Cap Growth Fund | — | — | — | $376K | 3.7% | |
| BlackRock Equity Dividend Fund | — | — | — | $355K | 3.5% | |
| TRANSAMERICA FUTUREFOCUS (SM) 2060 TRANSAMERICA RET SOLUTIONS CORP · EIN 04-6784256 / PN 001 | Common Collective Trust | — | — | $343K | 3.4% | |
| Fidelity Investments Fidelity International Index Fund | — | — | — | $338K | 3.3% | |
| Investment contract * Transamerica Life Insurance Company Transamerica Stable Value Fund | — | — | — | $252K | 2.5% | |
| PIMCO Income Institutional Fund | — | — | — | $188K | 1.9% | |
| Vanguard Real Estate Index Admiral | — | — | — | $177K | 1.7% | |
| TRANSAMERICA FUTUREFOCUS (SM) 2025 TRANSAMERICA RET SOLUTIONS CORP · EIN 04-6784256 / PN 001 | Common Collective Trust | — | — | $109K | 1.1% | |
| Golman Sachs Goldman Sachs Dynamic Bond Institutional Fund | — | — | — | $93K | 0.9% | |
| Dodge & Cox Dodge & Cox Global Bond Fund | — | — | — | $64K | 0.6% | |
| various dates, secured by participant account balances. | — | — | — | $61K | 0.6% | |
| BlackRock Global Allocation Fund | — | — | — | $19K | 0.2% | |
| TRANSAMERICA FUTUREFOCUS (SM) 2065 TRANSAMERICA RET SOLUTIONS CORP · EIN 04-6784256 / PN 001 | Common Collective Trust | — | — | $3K | <0.1% | |
| TRANSAMERICA FUTUREFOCUS (SM) RET TRANSAMERICA RET SOLUTIONS CORP · EIN 04-6784256 / PN 001 | Common Collective Trust | — | — | $121 | <0.1% | |
| TRANSAMERICA SMARTCOURSE 2055 TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 660 | Pooled Separate Account | — | — | $0 | <0.1% | |
| TRANSAMERICA SMARTCOURSE 2035 TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 656 | Pooled Separate Account | — | — | $0 | <0.1% | |
| TRANSAMERICA SMARTCOURSE 2040 TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 657 | Pooled Separate Account | — | — | $0 | <0.1% | |
| TRANSAMERICA SMARTCOURSE 2045 TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 658 | Pooled Separate Account | — | — | $0 | <0.1% | |
| TRANSAMERICA SMARTCOURSE 2050 TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 659 | Pooled Separate Account | — | — | $0 | <0.1% | |
| BLACKROCK EQUITY DIVIDEND RET OPT TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 240 | Pooled Separate Account | — | — | $0 | <0.1% | |
| TRANSAMERICA SMARTCOURSE RET TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 661 | Pooled Separate Account | — | — | $0 | <0.1% | |
| MFS INTL DIVERSIFICATION TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 665 | Pooled Separate Account | — | — | $0 | <0.1% | |
| PIMCO INCOME TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 671 | Pooled Separate Account | — | — | $0 | <0.1% | |
| TRANSAMERICA SMARTCOURSE 2060 TRANSAMERICA LIFE INS CO · EIN 82-5217478 / PN 091 | Pooled Separate Account | — | — | $0 | <0.1% | |
| TRANSAMERICA SMARTCOURSE 2030 TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 655 | Pooled Separate Account | — | — | $0 | <0.1% | |
| TRANSAMERICA SMARTCOURSE 2025 TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 654 | Pooled Separate Account | — | — | $0 | <0.1% | |
| GOLDMAN SACHS STRATEGIC INCOME TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 644 | Pooled Separate Account | — | — | $0 | <0.1% | |
| JPMORGAN U.S. LG CAP COR PL RET OPT TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 586 | Pooled Separate Account | — | — | $0 | <0.1% | |
| JANUS TRITON RET OPT TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 583 | Pooled Separate Account | — | — | $0 | <0.1% | |
| FRANKLIN GROWTH SERIES RET OPT TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 530 | Pooled Separate Account | — | — | $0 | <0.1% | |
| TA VANGUARD RL ESTATE INDEX RET OPT TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 099 | Pooled Separate Account | — | — | $0 | <0.1% | |
| TRANSAMERICA SM CAP GROWTH RET OPT TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 311 | Pooled Separate Account | — | — | $0 | <0.1% | |
| BLACKROCK GLOBAL ALLOCATION RET OPT TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 281 | Pooled Separate Account | — | — | $0 | <0.1% | |
| TEMPLETON GLOBAL BOND RET OPT TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 313 | Pooled Separate Account | — | — | $0 | <0.1% |
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