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Original filing (PDF)20251014175606NAL0001730019001
REPLY, INC. AND ITS U.S. SUBSIDIARIES
Form 5500
FILING_RECEIVED
REPLY, INC. AND ITS U.S. SUBSIDIARIES 401(K) PLAN
401(k) retirement plan
Active participants
310
Accounts w/ balance
393
Plan assets (EOY)
$27.5M
Net assets (EOY)
$27.5M
How this plan invests
This plan
1 pooled trust
Schedule D
27 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
- 50 bps in Schedule C fees — 74% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for REPLY, INC. AND ITS U.S. SUBSIDIARIES.
Plan sponsor
Name
REPLY, INC. AND ITS U.S. SUBSIDIARIES
EIN
68-0682665
Address
71 SOUTH WACKER DR., SUITE 3090 · CHICAGO, IL · 60606
Phone
(248) 686-2481
Industry
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
2025-10-14
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
SMITH BUNDAY BERMAN BRITTON, P.S.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $20K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MMA SECURITIES LLC | — | NEW YORK, NV | INVESTMENT ADVISOR | $60K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ERP NATIONAL LLC | — | MELVILLE, NY | CONTRACT ADMIN | $33K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CT | INVESTMENT MGMT | $25K | — |
Investments
26 direct securities · 1 pooled fund· $27.2M(99% 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.
Uncategorized
$26.9M
26 holdings
Common Collective Trust
$295K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds 2045 Target Date Retirement Mutual fund | — | — | — | $5.1M | 18.5% | |
| American Funds 2055 Target Date Retirement Mutual fund | — | — | — | $2.7M | 9.8% | |
| American Funds 2050 Target Date Retirement Mutual fund | — | — | — | $2.5M | 9.0% | |
| JP Morgan Large Cap Growth Mutual fund | — | — | — | $1.9M | 6.9% | |
| American Funds 2030 Target Date Retirement Mutual fund | — | — | — | $1.8M | 6.4% | |
| Fidelity Mid Cap Index Mutual fund | — | — | — | $1.7M | 6.3% | |
| American Funds New Perspective Mutual fund | — | — | — | $1.6M | 5.8% | |
| JP Morgan Equity Income Mutual fund | — | — | — | $1.5M | 5.5% | |
| American Funds 2060 Target Date Retirement Mutual fund | — | — | — | $1.4M | 5.1% | |
| iShares U.S. Aggregate Bond Index Mutual fund | — | — | — | $1.0M | 3.8% | |
| American Funds 2040 Target Date Retirement Mutual fund | — | — | — | $1.0M | 3.8% | |
| American Funds New World Mutual fund | — | — | — | $926K | 3.4% | |
| El Fixed Account - Series Class I Fixed Annuities | — | — | — | $409K | 1.5% | |
| MFS International Growth Mutual fund | — | — | — | $348K | 1.3% | |
| DFA US Small Cap Mutual fund | — | — | — | $341K | 1.2% | |
| T. Rowe Price Global Growth Stock Mutual fund | — | — | — | $327K | 1.2% | |
| MORLEY STABLE VALUE FUND MORLEY STABLE VALUE FUND · EIN 93-6274329 / PN 001 | Common Collective Trust | — | — | $295K | 1.1% | |
| Federated Hermes Kaufmann Small Cap Mutual fund | — | — | — | $282K | 1.0% | |
| American Funds American Balanced Mutual fund | — | — | — | $282K | 1.0% | |
| Notes Receivable from Participants Various participants, interest rates range from 4.25% to 9.50% $0 | — | — | — | $259K | 0.9% | |
| MFS Core Equity Mutual fund | — | — | — | $249K | 0.9% | |
| Allspring Special Mid Cap Value Mutual fund | — | — | — | $245K | 0.9% | |
| MFS Mid Cap Growth Mutual fund | — | — | — | $208K | 0.8% | |
| PGIM High Yield Mutual fund | — | — | — | $206K | 0.7% | |
| American Funds 2035 Target Date Retirement Mutual fund | — | — | — | $202K | 0.7% | |
| Fidelity Total Bond Index Mutual fund | — | — | — | $193K | 0.7% | |
| American Century Small Cap Value Mutual fund | — | — | — | $184K | 0.7% |
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