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Original filing (PDF)20250805124034NAL0002200899001
VISIBLE CHANGES, INC.
Form 5500
FILING_RECEIVED
VISIBLE CHANGES 401(K) AND PROFIT SHARING PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
393
Accounts w/ balance
565
Plan assets (EOY)
$76.5M
Net assets (EOY)
$76.5M
How this plan invests
This plan
12 pooled trusts
Schedule D
27 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
98
/ 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
100
Vendor stack
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (2 bps vs 16 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for VISIBLE CHANGES, INC..
Plan sponsor
Name
VISIBLE CHANGES, INC.
EIN
74-1940259
Address
1303 CAMPBELL ROAD · HOUSTON, TX · 77055
Phone
(713) 984-8800
Industry
Other Services (ex. Public Admin)see all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-08-05
Pension benefit codes
2E · Profit-sharing
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2R · Participant-directed brokerage (SDBA)
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
STOVAL GRANDEY & ALLEN, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SCHWAB RETIREMENT PLAN SERVICES,INC | 34-1479833 | — | NONE | $19K | — |
| CHARLES SCHWAB & CO., INC. | 94-1737782 | — | NONE | $122 | — |
Investments
16 direct securities · 12 pooled funds· $76.5M(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.
Uncategorized
$43.6M
16 holdings
Common Collective Trust
$32.9M
12 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| FIDELITY 500 INDEX Registered Investment Company | — | — | — | $8.9M | 11.7% | |
| VANGUARD TRSY MONEY MKT INVSTR Money Market / Cash Equivalent | — | — | — | $6.8M | 8.9% | |
| SCHWAB INDEXED RET TR FUND 2030 CHARLES SCHWAB TRUST BANK · EIN 81-0625169 / PN 015 | Common Collective Trust | — | — | $6.4M | 8.4% | |
| PCRA Self-Directed Brokerage Account | — | — | — | $6.2M | 8.0% | |
| SCHWAB INDEXED RET TR FUND 2035 CHARLES SCHWAB TRUST BANK · EIN 81-0625169 / PN 016 | Common Collective Trust | — | — | $5.9M | 7.7% | |
| SCHWAB INDEXED RET TR FUND 2045 CHARLES SCHWAB TRUST BANK · EIN 81-0625169 / PN 018 | Common Collective Trust | — | — | $4.7M | 6.1% | |
| VANGUARD GROWTH INDEX ADMIRAL Registered Investment Company | — | — | — | $4.1M | 5.3% | |
| SCHWAB INDEXED RET TR FUND 2055 CHARLES SCHWAB TRUST BANK · EIN 81-0625169 / PN 021 | Common Collective Trust | — | — | $4.0M | 5.3% | |
| SCHWAB INDEXED RET TR FUND 2050 CHARLES SCHWAB TRUST BANK · EIN 81-0625169 / PN 019 | Common Collective Trust | — | — | $3.9M | 5.1% | |
| SCHWAB INDEXED RET TR FUND 2040 CHARLES SCHWAB TRUST BANK · EIN 81-0625169 / PN 017 | Common Collective Trust | — | — | $3.9M | 5.1% | |
| VANGUARD EQUITY INCOME ADMIRAL Registered Investment Company | — | — | — | $2.9M | 3.7% | |
| FIDELITY US BOND INDEX Registered Investment Company | — | — | — | $2.6M | 3.4% | |
| FIDELITY EXTENDED MARKET INDEX Registered Investment Company | — | — | — | $2.4M | 3.1% | |
| FIDELITY TOTAL INTERN INDEX Registered Investment Company | — | — | — | $2.1M | 2.8% | |
| SCHWAB INDEXED RET TR FUND 2025 CHARLES SCHWAB TRUST BANK · EIN 81-0625169 / PN 014 | Common Collective Trust | — | — | $1.6M | 2.2% | |
| FIDELITY SMALL CAP INDEX Registered Investment Company | — | — | — | $1.6M | 2.1% | |
| FEDERATED INSTL HI YLD BOND Registered Investment Company | — | — | — | $1.5M | 2.0% | |
| PARTICIPANT LOANS (4.25% - 9.50%) | — | — | — | $1.1M | 1.4% | |
| SCHWAB INDEXED RET TR FUND 2020 CHARLES SCHWAB TRUST BANK · EIN 81-0625169 / PN 013 | Common Collective Trust | — | — | $1.1M | 1.4% | |
| FIDELITY EMERG MARKETS IDX Registered Investment Company | — | — | — | $1.0M | 1.4% | |
| VANGUARD BALANCED INDEX ADM Registered Investment Company | — | — | — | $953K | 1.2% | |
| SCHWAB INDEXED RET TR FUND 2015 CHARLES SCHWAB TRUST BANK · EIN 81-0625169 / PN 012 | Common Collective Trust | — | — | $849K | 1.1% | |
| VANGUARD INFLATION PROTECT ADM Registered Investment Company | — | — | — | $683K | 0.9% | |
| FIDELITY REAL ESTATE INDEX Registered Investment Company | — | — | — | $354K | 0.5% | |
| FIDELITY SHORT TERM BD INDEX Registered Investment Company | — | — | — | $318K | 0.4% | |
| SCHWAB INDEXED RET TR FUND 2065 CHARLES SCHWAB TRUST BANK · EIN 81-0625169 / PN 025 | Common Collective Trust | — | — | $308K | 0.4% | |
| SCHWAB INDEXED RET TR FUND 2060 CHARLES SCHWAB TRUST BANK · EIN 81-0625169 / PN 023 | Common Collective Trust | — | — | $202K | 0.3% | |
| SCHWAB INDEXED RET TR FUND 2010 CHARLES SCHWAB TRUST BANK · EIN 81-0625169 / PN 011 | Common Collective Trust | — | — | $529 | <0.1% |
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