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Original filing (PDF)20260204153348NAL0003668065001
AMERICAN WATER RESOURCES LLC, DBA ONCOURSE HOME SOLUTIONS
Form 5500
FILING_RECEIVED
ONCOURSE HOME SOLUTIONS 401(K) PLAN
401(k) retirement plan
Signals · 1
Late filing · 2.6 mo
Active participants
624
Accounts w/ balance
880
Plan assets (EOY)
$40.2M
Net assets (EOY)
$40.2M
How this plan invests
This plan
11 pooled trusts
Schedule D
30 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
90
Concentration risk
100
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- Filed 2.6 months past the 10.5-month grace window.
- 50 bps in Schedule C fees — 73% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for AMERICAN WATER RESOURCES LLC, DBA ONCOURSE HOME SOLUTIONS.
Plan sponsor
Name
AMERICAN WATER RESOURCES LLC, DBA ONCOURSE HOME SOLUTIONS
EIN
54-0912221
Address
1415 W DIEHL RD., SUITE 270 · NAPERVILLE, IL · 60563
Phone
(855) 890-8792
Industry
Utilitiessee 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
2026-02-04
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
WARADY & DAVIS LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $118K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EDELMAN FINANCIAL HOLDINGS III | — | FAIRFAX, VA | INVESTMENT ADVISOR | $57K | — |
| WORLD INVESTMENT ADVISORS LLC | — | SANTA BARBARA, CA | INVESTMENT ADVISOR | $7K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TYCOR BENEFIT ADMINISTRATORS, INC. | — | WAYNE, PA | CONTRACT ADMIN | $7K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $13K | — |
Investments
19 direct securities · 11 pooled funds· $37.9M(94% 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
$28.1M
11 holdings
Uncategorized
$9.8M
19 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| PUTNAM RETIREMENT ADVANTAGE TR 2030 PUTNAM INVESTMENTS CIT · EIN 26-0788040 / PN 262 | Common Collective Trust | — | — | $5.3M | 13.2% | |
| PUTNAM RETIREMENT ADVANTAGE TR 2045 PUTNAM INVESTMENTS CIT · EIN 26-1208510 / PN 259 | Common Collective Trust | — | — | $4.9M | 12.1% | |
| PUTNAM RETIREMENT ADVANTAGE TR 2025 PUTNAM INVESTMENTS CIT · EIN 26-0788428 / PN 268 | Common Collective Trust | — | — | $3.9M | 9.6% | |
| PUTNAM RETIREMENT ADVANTAGE TR 2050 PUTNAM INVESTMENTS CIT · EIN 26-0787670 / PN 258 | Common Collective Trust | — | — | $3.6M | 9.0% | |
| PUTNAM RETIREMENT ADVANTAGE TR 2035 PUTNAM INVESTMENTS CIT · EIN 26-0787945 / PN 261 | Common Collective Trust | — | — | $3.5M | 8.6% | |
| Fidelity 500 Index | — | — | — | $3.2M | 8.1% | |
| PUTNAM RETIREMENT ADVANTAGE TR 2040 PUTNAM INVESTMENTS CIT · EIN 26-1384398 / PN 260 | Common Collective Trust | — | — | $2.9M | 7.2% | |
| PUTNAM RETIREMENT ADVANTAGE TR 2055 PUTNAM INVESTMENTS CIT · EIN 26-0787670 / PN 272 | Common Collective Trust | — | — | $2.0M | 4.9% | |
| PUTNAM RETIREMENT ADVANTAGE TR 2060 PUTNAM INVESTMENTS CIT · EIN 27-3616920 / PN 273 | Common Collective Trust | — | — | $1.1M | 2.6% | |
| maturing through August 2036 $ — | — | — | — | $910K | 2.3% | |
| Insurance Contract * Empower EI Fixed Account - Series Class I | — | — | — | $893K | 2.2% | |
| Fidelity Global Ex U.S. Index | — | — | — | $810K | 2.0% | |
| Putnam Dynamic Asset Allocation Growth R6 | — | — | — | $736K | 1.8% | |
| PUTNAM RETIREMENT ADVANTAGE TR 2065 PUTNAM INVESTMENTS CIT · EIN 85-3582370 / PN 274 | Common Collective Trust | — | — | $657K | 1.6% | |
| Fidelity Mid Cap Index | — | — | — | $454K | 1.1% | |
| Fidelity U.S. Bond Index | — | — | — | $411K | 1.0% | |
| PUTNAM RETIREMENT ADVANTAGE TR MAT PUTNAM INVESTMENTS CIT · EIN 26-0788428 / PN 268 | Common Collective Trust | — | — | $401K | 1.0% | |
| American Funds Growth Fund of America R6 | — | — | — | $382K | 1.0% | |
| Putnam Large Cap Value R6 | — | — | — | $332K | 0.8% | |
| Fidelity Small Cap Index | — | — | — | $315K | 0.8% | |
| Empower International Value | — | — | — | $300K | 0.7% | |
| Fidelity Real Estate Index | — | — | — | $240K | 0.6% | |
| PIMCO Income Institutional | — | — | — | $166K | 0.4% | |
| MFS Mid Cap Growth R6 | — | — | — | $159K | 0.4% | |
| Registered Investment Companies American Century Mid Cap Value R6 | — | — | — | $155K | 0.4% | |
| Franklin Small Cap Growth R6 | — | — | — | $154K | 0.4% | |
| Franklin Small Cap Value R6 | — | — | — | $87K | 0.2% | |
| Putnam Dynamic Asset Allocation Conservative R6 | — | — | — | $58K | 0.1% | |
| PGIM TOTAL RETURN FUND CIT FEE GREAT GRAY · EIN 38-4097323 / PN 471 | Common Collective Trust | — | — | $34K | <0.1% | |
| Putnam Dynamic Asset Allocation Balanced R6 | — | — | — | $13K | <0.1% |