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Original filing (PDF)20251001095305NAL0014049280001
EMPLOY, INC.
Form 5500
FILING_RECEIVED
EMPLOY, INC. 401(K) PLAN
401(k) retirement plan
Signals · 1
~93 bps in Sched C fees
Active participants
469
Accounts w/ balance
822
Plan assets (EOY)
$32.3M
Net assets (EOY)
$32.3M
How this plan invests
This plan
13 pooled trusts
Schedule D
29 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
65
Vendor stack
100
Participation health
100
Knocking points off
- 93 bps in Schedule C fees — 222% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for EMPLOY, INC..
Plan sponsor
Name
EMPLOY, INC.
EIN
56-2422812
Address
1730 BLAKE STREET, #445 · DENVER, CO · 80202
Phone
(888) 353-0887
Industry
Custom Computer Programming· Professional & Technical Servicessee 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
2025-10-01
Pension benefit codes
2E · Profit-sharing
2J · 401(k) feature
2K · 401(m) arrangement
2F · ERISA section 404(c)
2G · Total participant-directed accounts
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
2S · Automatic enrollment
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
JOHNSON O'CONNOR FERON & CARUCCI
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsRecordkeeper
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ADP, INC. | 13-3036745 | — | RECORDKEEPER | $114K | — |
| ADP BROKER-DEALER | 22-3319984 | — | RECORD KEEPER | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| THE ANGELL PENSION GROUP, INC. | 04-2530412 | — | THIRD PARTY ADMINISTRATO | $15K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| JOHNSON O'CONNOR FERON & CARUCCI LL | 20-3985546 | — | ACCOUNTANT | $18K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MML INVESTORS SERVICES, INC. | 04-2746212 | — | INVESTMENT/FINANCIAL ADV | $153K | — |
Investments
16 direct securities · 13 pooled funds· $32.2M(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
$21.1M
13 holdings
Uncategorized
$11.1M
16 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| TRP RETIRE DATE 2055 TR R1 GREAT GRAY TRUST COMPANY · EIN 38-7289839 / PN 001 | Common Collective Trust | — | — | $6.4M | 19.8% | |
| Vanguard 500 Index Fund - Admiral Class Mutual fund n/a | — | — | — | $4.7M | 14.5% | |
| TRP RETIRE DATE 2050 TR R1 GREAT GRAY TRUST COMPANY · EIN 38-7289838 / PN 001 | Common Collective Trust | — | — | $4.0M | 12.4% | |
| TRP RETIRE DATE 2045 TR R1 GREAT GRAY TRUST COMPANY · EIN 38-7289837 / PN 001 | Common Collective Trust | — | — | $3.3M | 10.2% | |
| TRP RETIRE DATE 2060 TR R1 GREAT GRAY TRUST COMPANY · EIN 38-7289840 / PN 001 | Common Collective Trust | — | — | $1.9M | 5.9% | |
| TRP RETIRE DATE 2040 TR R1 GREAT GRAY TRUST COMPANY · EIN 38-7289836 / PN 001 | Common Collective Trust | — | — | $1.7M | 5.2% | |
| LARGE CAP GROWTH III 0 I1 GREAT GRAY TRUST COMPANY · EIN 38-7275327 / PN 001 | Common Collective Trust | — | — | $1.1M | 3.3% | |
| TRP RETIRE DATE 2035 TR R1 GREAT GRAY TRUST COMPANY · EIN 38-7289835 / PN 001 | Common Collective Trust | — | — | $975K | 3.0% | |
| TRP RETIRE DATE 2030 TR R1 GREAT GRAY TRUST COMPANY · EIN 38-7289834 / PN 001 | Common Collective Trust | — | — | $822K | 2.5% | |
| Vanguard Total International Stock Index Fund - Admiral Class Mutual fund n/a | — | — | — | $746K | 2.3% | |
| Vanguard Mid-Cap Index Fund - Admiral Class Mutual fund n/a | — | — | — | $716K | 2.2% | |
| Vanguard Small Cap Index Fund - Admiral Class Mutual fund n/a | — | — | — | $655K | 2.0% | |
| Victory Sycamore Established Value Fund - Class R6 Mutual fund n/a | — | — | — | $640K | 2.0% | |
| Vanguard Federal Money Market Fund - Investor Class Mutual fund n/a | — | — | — | $637K | 2.0% | |
| Impax Sustainable Allocation Fund Class Institutional Mutual fund n/a | — | — | — | $586K | 1.8% | |
| JPMorgan Equity Income Fund - Class R6 Mutual fund n/a | — | — | — | $498K | 1.5% | |
| TRP RETIRE DATE 2025 TR R1 GREAT GRAY TRUST COMPANY · EIN 38-7289833 / PN 001 | Common Collective Trust | — | — | $356K | 1.1% | |
| Voya Intermediate Bond Fund - Class R6 Mutual fund n/a | — | — | — | $340K | 1.1% | |
| JPMorgan Mid Cap Growth Fund - Class R6 Mutual fund n/a | — | — | — | $338K | 1.0% | |
| Macquarie Small Cap Growth R6 Mutual fund n/a | — | — | — | $327K | 1.0% | |
| TRP RETIRE DATE 2065 TR R1 GREAT GRAY TRUST COMPANY · EIN 38-7289841 / PN 001 | Common Collective Trust | — | — | $321K | 1.0% | |
| Participant Loans Other varies 4.25%-10.50% n/a -0- | — | — | — | $247K | 0.8% | |
| American Funds New World Fund - Class R6 Mutual fund n/a | — | — | — | $229K | 0.7% | |
| Franklin Small Cap Value Fund - Class R6 Mutual fund n/a | — | — | — | $198K | 0.6% | |
| Vanguard Short Term Investment Grade Fund - Admiral Class Mutual fund n/a | — | — | — | $179K | 0.6% | |
| INTERNATIONAL GR II R1 GREAT GRAY TRUST COMPANY · EIN 38-4139842 / PN 619 | Common Collective Trust | — | — | $152K | 0.5% | |
| Janus Henderson Multi Sector Income Fund - Class N Mutual fund n/a | — | — | — | $141K | 0.4% | |
| TRP RETIRE DATE 2020 TR R1 GREAT GRAY TRUST COMPANY · EIN 38-7289832 / PN 001 | Common Collective Trust | — | — | $112K | 0.3% | |
| TRP RETIRE DATE 2015 TR R1 GREAT GRAY TRUST COMPANY · EIN 38-7289831 / PN 001 | Common Collective Trust | — | — | $30K | <0.1% |