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Original filing (PDF)20251120114347NAL0002871907001
U'S AGAIN, LLC
Form 5500
FILING_RECEIVED
U'S AGAIN, LLC 401(K) PLAN
401(k) retirement plan
Signals · 3
Late filing · 0.1 mo35% in single holding~89 bps in Sched C fees
Active participants
116
Accounts w/ balance
100
Plan assets (EOY)
$1.7M
Net assets (EOY)
$1.7M
How this plan invests
This plan
27 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
88
/ 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
82
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- Filed 0.1 months past the 10.5-month grace window.
- Top holding "Vanguard Vanguard Target Retirement 2030 Fund" is 35% of plan.
- 89 bps in Schedule C fees — 71% above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for U'S AGAIN, LLC.
Plan sponsor
Name
U'S AGAIN, LLC
EIN
51-0389245
Address
1555 W. HAWTHORNE LANE · SUITE 4W · WEST CHICAGO, IL · 60185
Phone
(800) 604-9533
Industry
Wholesale Tradesee 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
2025-11-20
Pension benefit codes
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)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
CHERRY BEKAERT LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| RPG CONSULTANTS | 13-4077182 | HEWLETT, NY | RECORDKEEPER | $15K | — |
Investments
27 direct securities· $1.6M(94% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2030 Fund | — | — | — | $565K | 33.0% | |
| Vanguard Target Retirement 2040 Fund | — | — | — | $329K | 19.2% | |
| Vanguard Target Retirement 2025 Fund | — | — | — | $118K | 6.9% | |
| Vanguard Target Retirement 2035 Fund | — | — | — | $106K | 6.2% | |
| Vanguard Target Retirement 2050 Fund | — | — | — | $104K | 6.0% | |
| Vanguard Target Retirement 2055 Fund | — | — | — | $72K | 4.2% | |
| Vanguard Target Retirement 2045 Fund | — | — | — | $48K | 2.8% | |
| Vanguard Target Retirement 2020 Fund | — | — | — | $48K | 2.8% | |
| Vanguard 500 Index Admiral Fund | — | — | — | $47K | 2.7% | |
| Calvert Research and Management Calvert US LargeCap Core Fund Class R6 | — | — | — | $31K | 1.8% | |
| Calvert Research and Management Calvert Small Cap Fund Class R6 | — | — | — | $21K | 1.2% | |
| Calvert Research and Management Calvert Balanced Fund Class R6 906 Calvert Research and Management Calvert Conservative Allocation Fund Class I | — | — | — | $16K | 1.0% | |
| Vanguard Target Retirement 2060 Fund | — | — | — | $14K | 0.8% | |
| Vanguard High Dividend Yield Index Fund | — | — | — | $12K | 0.7% | |
| Vanguard Real Estate Index Fund | — | — | — | $11K | 0.6% | |
| Brown Advisory LLC Brown Advisory Sustainable Growth Fund Instl 285 Calvert Research and Management Calvert Aggrressive Allocation Fund Cl I | — | — | — | $11K | 0.6% | |
| Vanguard Small Cap Index Fund | — | — | — | $11K | 0.6% | |
| Vanguard Mid Cap Index Fund | — | — | — | $11K | 0.6% | |
| Vanguard Target Retirement Income Fund | — | — | — | $10K | 0.6% | |
| Calvert Research and Management Calvert Global Water I Fund | — | — | — | $7K | 0.4% | |
| Parnassus Core Equity Investor Fund | — | — | — | $5K | 0.3% | |
| Northern Funds Northern Global Sustainability Fund | — | — | — | $5K | 0.3% | |
| Praxis Investment Management Inc Praxis Impact Bond Fund Class I 701 Praxis Investment Management Inc Praxis International Index Fund Class I | — | — | — | $2K | 0.1% | |
| Calvert Research and Management Calvert US MidCap Core Res Index Fund | — | — | — | $2K | 0.1% | |
| American Funds American Funds New World Fund Class R6 | — | — | — | $2K | 0.1% | |
| Victory Capital Victory Core Plus Intermediate Bond Fund Class R5 811 Vanguard Inflation-Protection Securities Admiral Fund 814 Vanguard Balanced Index Admiral Fund | — | — | — | $1K | <0.1% | |
| Mid Atlantic Mid Atlantic Master Cash Account | — | — | — | $1K | <0.1% |
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