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Original filing (PDF)20250822051357NAL0004826961001
KIND LENDING, LLC
Form 5500
FILING_RECEIVED
KIND LENDING LLC 401(K) PLAN
401(k) retirement plan
Signals · 1
~82 bps in Sched C fees
Active participants
626
Accounts w/ balance
650
Plan assets (EOY)
$9.4M
Net assets (EOY)
$9.4M
How this plan invests
This plan
33 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
- 82 bps in Schedule C fees — 59% above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for KIND LENDING, LLC.
Plan sponsor
Name
KIND LENDING, LLC
EIN
61-1306242
Address
4 HUTTON CENTRE DR · 10TH FLOOR · SANTA ANA, CA · 92707
Phone
(714) 844-7585
Industry
Finance & Insurancesee 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
2025-08-22
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)
Audit & trust (Schedule H)
Auditor
DAVID L BUCK CPA
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ADP, INC. | 13-3036745 | — | RECORD KEEPER | $57K | — |
| ADP BROKER-DEALER | 22-3319984 | — | RECORD KEEPER | $0 | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PENSIONMARK FINANCIAL GROUP, LLC | 61-1758632 | — | INVESTMENT/FINANCIAL ADVI | $20K | — |
Investments
33 direct securities· $9.0M(96% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| FID FREE INDX 2040 IP | Registered Investment Companies | — | — | $1.3M | 13.4% | |
| FID FREE INDX 2030 IP | Registered Investment Companies | — | — | $1.1M | 12.1% | |
| FID FREE INDX 2035 IP | Registered Investment Companies | — | — | $955K | 10.2% | |
| FID FREE INDX 2045 IP | Registered Investment Companies | — | — | $841K | 9.0% | |
| FID FREE INDX 2050 IP | Registered Investment Companies | — | — | $823K | 8.8% | |
| VANGUARD 500 INDEX FUND - ADM | Registered Investment Companies | — | — | $733K | 7.8% | |
| FID FREE INDX 2025 IP | Registered Investment Companies | — | — | $606K | 6.5% | |
| FID FREE INDX 2020 IP | Registered Investment Companies | — | — | $370K | 4.0% | |
| FID LARGE CAP GROWTH INDEX | Registered Investment Companies | — | — | $291K | 3.1% | |
| VANGUARD TREASURY MONEY MARKET | Registered Investment Companies | — | — | $258K | 2.8% | |
| FID FREE INDX 2055 IP | Registered Investment Companies | — | — | $253K | 2.7% | |
| MFS INTERNATIONAL EQUITY R6 | Registered Investment Companies | — | — | $182K | 1.9% | |
| VANGUARD SMALL CAP INDEX ADMRL | Registered Investment Companies | — | — | $172K | 1.8% | |
| FID FREE INDX 2060 IP | Registered Investment Companies | — | — | $166K | 1.8% | |
| PUTNAM LARGE CAP VALUE R6 | Registered Investment Companies | — | — | $150K | 1.6% | |
| VANGUARD MID CAP INDEX - ADM | Registered Investment Companies | — | — | $137K | 1.5% | |
| AMC SMALL CAP VALUE FUND - R6 | Registered Investment Companies | — | — | $115K | 1.2% | |
| VANG TOT STK MKT IDX - ADMIRAL | Registered Investment Companies | — | — | $98K | 1.0% | |
| PGIM HIGH YIELD FUND R6 | Registered Investment Companies | — | — | $68K | 0.7% | |
| BUFFALO SMALL CAP GROWTH INST | Registered Investment Companies | — | — | $65K | 0.7% | |
| VANGUARD INTERMEDIATE TERM BON | Registered Investment Companies | — | — | $63K | 0.7% | |
| BLACKROCK MIDCAP GROWTH EQ K | Registered Investment Companies | — | — | $60K | 0.6% | |
| AMF BOND FUND OF AMERICA R6 | Registered Investment Companies | — | — | $52K | 0.6% | |
| FID FREE INDEX 2065 IP | Registered Investment Companies | — | — | $36K | 0.4% | |
| AMF INFL LINKED BOND R6 | Registered Investment Companies | — | — | $31K | 0.3% | |
| VANGUARD TOTAL INTL BD IDX ADM | Registered Investment Companies | — | — | $25K | 0.3% | |
| AMERICAN FUNDS NEW WORLD R6 | Registered Investment Companies | — | — | $24K | 0.3% | |
| FID FREEDOM IND2010 INSTL PREM | Registered Investment Companies | — | — | $21K | 0.2% | |
| VANGUARD DEV MKT INDEX ADMIRAL | Registered Investment Companies | — | — | $13K | 0.1% | |
| COHEN & STEERS INST REALTY | Registered Investment Companies | — | — | $7K | <0.1% | |
| VANGUARD EMG MKTS STK IDX ADM | Registered Investment Companies | — | — | $6K | <0.1% | |
| FID FREE INDX INCOME IP | Registered Investment Companies | — | — | $2K | <0.1% | |
| FID FREE INDX 2015 IP | Registered Investment Companies | — | — | $2K | <0.1% |
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