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Original filing (PDF)20251013101039NAL0000474355001
BRIGHTKEY, INC.
Form 5500
FILING_RECEIVED
BRIGHTKEY 401(K) RETIREMENT PLAN
401(k) retirement plan
Signals · 2
27% in single holdingNo recordkeeper disclosed
Active participants
420
Accounts w/ balance
489
Plan assets (EOY)
$10.7M
Net assets (EOY)
$10.7M
How this plan invests
This plan
30 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
86
/ 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
86
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "Vanguard Balanced Index Adm Vanguard 0" is 27% of plan.
- 70 bps in Schedule C fees — 141% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BRIGHTKEY, INC..
Plan sponsor
Name
BRIGHTKEY, INC.
EIN
52-1574418
Address
60 WEST STREET · SUITE 300 · ANNAPOLIS, MD · 21401
Phone
(301) 604-3305
Industry
Admin Support & Waste Mgmtsee 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
2S · Automatic enrollment
2E · Profit-sharing
3D · Pre-approved plan (master / prototype / VS)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2F · ERISA section 404(c)
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
RUBINO AND COMPANY, CHARTERED
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| THE VANGUARD GROUP, INC. | 23-1945930 | — | NONE | $58K | — |
| KESTRA FINANCIAL | — | AUSTIN, TX | NONE | $16K | — |
Investments
30 direct securities· $10.5M(98% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Balanced Index Adm Vanguard 0 | — | — | — | $2.8M | 26.6% | |
| Vanguard Target Retirement 2030 Fund Vanguard 0 | — | — | — | $637K | 6.0% | |
| Vanguard Target Retirement 2025 Fund Vanguard 0 | — | — | — | $611K | 5.7% | |
| Vanguard Total Stock Market Index Adm Vanguard 0 | — | — | — | $548K | 5.1% | |
| Vanguard Growth Index Adm Vanguard 0 | — | — | — | $535K | 5.0% | |
| Vanguard 500 Index Adm Vanguard 0 | — | — | — | $478K | 4.5% | |
| Vanguard Target Retirement 2045 Fund Vanguard 0 | — | — | — | $435K | 4.1% | |
| Vanguard Target Retirement 2040 Fund Vanguard 0 | — | — | — | $412K | 3.9% | |
| Vanguard Total Bond Market Index Adm Vanguard 0 | — | — | — | $396K | 3.7% | |
| Vanguard Target Retirement 2050 Fund Vanguard 0 | — | — | — | $394K | 3.7% | |
| Vanguard Target Retirement 2035 Fund Vanguard 0 | — | — | — | $353K | 3.3% | |
| Various Rates and Maturities Participant's Loan Account 0 | — | — | — | $324K | 3.0% | |
| Vanguard Total Intl Stock Index Adm Vanguard 0 | — | — | — | $297K | 2.8% | |
| Vanguard Mid-Cap Growth Index Adm Vanguard 0 | — | — | — | $294K | 2.8% | |
| Vanguard Mid Cap Index Adm Vanguard 0 | — | — | — | $282K | 2.6% | |
| Vanguard Small-Cap Index Adm Vanguard 0 | — | — | — | $233K | 2.2% | |
| Vanguard Mid-Cap Value Index Adm Vanguard 0 | — | — | — | $170K | 1.6% | |
| Vanguard Target Retirement 2055 Fund Vanguard 0 | — | — | — | $163K | 1.5% | |
| Vanguard Federal Money Market Inv Vanguard 0 | — | — | — | $154K | 1.4% | |
| Vanguard Value Index Adm Vanguard 0 | — | — | — | $149K | 1.4% | |
| Vanguard Emerging Mkts Stock Idx Adm Vanguard 0 | — | — | — | $144K | 1.4% | |
| Vanguard Small-Cap Value Index Adm Vanguard 0 | — | — | — | $127K | 1.2% | |
| Vanguard Target Retirement 2060 Fund Vanguard 0 | — | — | — | $121K | 1.1% | |
| Vanguard Target Retirement 2020 Fund Vanguard 0 | — | — | — | $116K | 1.1% | |
| Vanguard Target Retirement Income Fund Vanguard 0 | — | — | — | $71K | 0.7% | |
| Vanguard Target Retirement 2070 Fund Vanguard 0 851 Vanguard Target Retirement 2065 Fund Vanguard 0 | — | — | — | $56K | 0.5% | |
| Vanguard Short-Term Bond Index Adm Vanguard 0 | — | — | — | $54K | 0.5% | |
| Vanguard Real Estate Index Adm Vanguard 0 | — | — | — | $37K | 0.3% | |
| Vanguard Small-Cap Growth Index Adm Vanguard 0 | — | — | — | $31K | 0.3% | |
| Vanguard Total Intl Bond Index Adm Vanguard 0 | — | — | — | $3K | <0.1% |