Holdings are itemized directly on this plan's Schedule of Assets, below.
| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BETTERMENT FOR BUSINESS, LLC | 47-4872674 | NEW YORK, NY | RECORDKEEPER | $34K | — |
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Total Stock Market ETF Exchange-Traded Fund | — | — | — | $3.8M | 22.0% | |
| Vanguard FTSE Developed Markets Exchange-Traded Fund | — | — | — | $3.4M | 20.1% | |
| SPDR Portfolio S&P 500 ETF Exchange-Traded Fund | — | — |
| — |
| $2.2M |
| 12.8% |
| Vanguard FTSE Emerging Markets Exchange-Traded Fund | — | — | — | $1.1M | 6.5% |
| iShares Core Total US Bond Market ETF Exchange-Traded Fund | — | — | — | $1.1M | 6.2% |
| SPDR Portfolio S&P 400 Mid Cap Exchange-Traded Fund | — | — | — | $795K | 4.6% |
| iShares ESG Aware MSCI USA ETF Exchange-Traded Fund | — | — | — | $704K | 4.1% |
| SPDR Portfolio S&P 600 Small Cap ETF Exchange-Traded Fund | — | — | — | $619K | 3.6% |
| Goldman Sachs ActiveBeta US Large Cap Equity Exchange-Traded Fund | — | — | — | $393K | 2.3% |
| iShares MSCI ACWI Low Carbon Target ETF Exchange-Traded Fund | — | — | — | $315K | 1.8% |
| Goldman Sachs TreasuryAccess 01 Year ETF Exchange-Traded Fund | — | — | — | $306K | 1.8% |
| iShares ESG Aware MSCI EAFE ETF Exchange-Traded Fund | — | — | — | $301K | 1.8% |
| Vanguard Total International Bond ETF Exchange-Traded Fund | — | — | — | $279K | 1.6% |
| iShares Emerging Markets USD Bond ETF Exchange-Traded Fund | — | — | — | $240K | 1.4% |
| SPDR S&P 500 Fossil Fuel Reserves Free ETF Exchange-Traded Fund | — | — | — | $139K | 0.8% |
| iShares ESG Aware MSCI EM ETF Exchange-Traded Fund | — | — | — | $130K | 0.8% |
| iShares 0-5 Year TIPS Bond ETF Exchange-Traded Fund | — | — | — | $130K | 0.8% |
| TCW Transform 500 ETF Exchange-Traded Fund | — | — | — | $124K | 0.7% |
| iShares ESG Aware MSCI USA Small-Cap ETF Exchange-Traded Fund | — | — | — | $101K | 0.6% |
| JPMorgan Ultra-Short Income Exchange-Traded Fund | — | — | — | $100K | 0.6% |
| SPDR MSCI EAFE Fossil Fuel Free ETF Exchange-Traded Fund | — | — | — | $90K | 0.5% |
| Goldman Sachs ActiveBeta International Equity Exchange-Traded Fund | — | — | — | $88K | 0.5% |
| iShares ESG Aware U.S. Aggregate Bond ETF Exchange-Traded Fund | — | — | — | $86K | 0.5% |
| Participant Loans to participants, bearing interest from 4.25% to 9.50% | Participant loans | — | — | $57K | 0.3% |
| Goldman Sachs ActiveBeta Europe Equity ETF Exchange-Traded Fund | — | — | — | $55K | 0.3% |
| SPDR MSCI Emerging Markets Fossil Fuel Free ETF Exchange-Traded Fund | — | — | — | $38K | 0.2% |
| Goldman Sachs ActiveBeta Emerging Markets Equity Exchange-Traded Fund | — | — | — | $36K | 0.2% |
| Schwab U.S. Broad Market ETF Exchange-Traded Fund | — | — | — | $30K | 0.2% |
| iShares Trust iShares USD Green Bond ETF Exchange-Traded Fund | — | — | — | $27K | 0.2% |
| Vanguard US Total Bond Market ETF Exchange-Traded Fund | — | — | — | $26K | 0.2% |
| SPDR S&P Kensho New Economies Composite ETF Exchange-Traded Fund | — | — | — | $24K | 0.1% |
| Goldman Sachs ActiveBeta Japan Equity ETF Exchange-Traded Fund | — | — | — | $23K | 0.1% |
| iShares ESG Aware USD Corporate Bond ETF Exchange-Traded Fund | — | — | — | $21K | 0.1% |
| Goldman Sachs ActiveBeta US Small Cap Equity ETF Exchange-Traded Fund | — | — | — | $21K | 0.1% |
| Goldman Sachs Access Investment Grade Corporate Bond ETF Exchange-Traded Fund | — | — | — | $21K | 0.1% |
| Goldman Sachs Access U.S. Aggregate Bond ETF Exchange-Traded Fund | — | — | — | $19K | 0.1% |
| iShares Core MSCI EAFE ETF Exchange-Traded Fund | — | — | — | $16K | <0.1% |
| Vanguard Mid-Cap Value ETF Exchange-Traded Fund | — | — | — | $15K | <0.1% |
| Goldman Sachs Access Emerging Markets USD Bond ETF Exchange-Traded Fund | — | — | — | $14K | <0.1% |
| Vanguard Small-Cap Value ETF Exchange-Traded Fund | — | — | — | $13K | <0.1% |
| Vanguard Large-Cap ETF - DNQ Exchange-Traded Fund ** 340 Vanguard LongTerm Government Bond Exchange-Traded Fund | — | — | — | $12K | <0.1% |
| Vanguard Value ETF Exchange-Traded Fund | — | — | — | $11K | <0.1% |
| Vanguard Short-Term Inflation-Protected Securities ETF Exchange-Traded Fund | — | — | — | $11K | <0.1% |
| iShares Core MSCI Emerging Markets ETF Exchange-Traded Fund | — | — | — | $11K | <0.1% |
| Schwab U.S. REIT ETF Exchange-Traded Fund | — | — | — | $10K | <0.1% |
| Invesco QQQ Trust Exchange-Traded Fund | — | — | — | $10K | <0.1% |
| iShares iBoxx $ Investment Grade Corporate Bond ETF Exchange-Traded Fund | — | — | — | $6K | <0.1% |
| Goldman Sachs Access High Yield Corporate Bond ETF Exchange-Traded Fund ** 34 Goldman Sachs Access Inflation Protected USD Bond ETF Exchange-Traded Fund | — | — | — | $2K | <0.1% |
| Invesco Emerging Markets Sovereign Debt ETF Exchange-Traded Fund | — | — | — | $2K | <0.1% |
| iShares Core S&P 500 ETF Exchange-Traded Fund ** 45 iShares Core S&P Total U.S. Stock Market ETF Exchange-Traded Fund | — | — | — | $1K | <0.1% |
