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Original filing (PDF)20251008132103NAL0013855586001
LOTUS GROUP USA, INC.
Form 5500
FILING_RECEIVED
LOTUS GROUP 401(K) PLAN
401(k) retirement plan
Active participants
262
Accounts w/ balance
179
Plan assets (EOY)
$12.4M
Net assets (EOY)
$12.4M
How this plan invests
This plan
2 pooled trusts
Schedule D
37 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
92
/ 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
80
Vendor stack
100
Participation health
80
Knocking points off
- 41 bps in Schedule C fees — modestly above peer band of 29 bps.
- 68% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for LOTUS GROUP USA, INC..
Plan sponsor
Name
LOTUS GROUP USA, INC.
EIN
75-3169679
Address
10 CABOT ROAD · SUITE 212 · MEDFORD, MA · 02155
Phone
(360) 737-9692
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
2025-10-08
Pension benefit codes
2E · Profit-sharing
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2F · ERISA section 404(c)
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
PERKINS & COMPANY, PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $1K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EDWARD JONES & CO | 43-0345811 | — | INVESTMENT ADVISOR | $30K | — |
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MANAGEMENT | $9K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PENSION PLAN SPECIALISTS PC | 26-1570786 | — | TPA | $5K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PERKINS & COMPANY | — | PORTLAND, OR | AUDITOR | $6K | — |
Investments
36 direct securities · 2 pooled funds· $23.8M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Uncategorized
$12.1M
36 holdings
Pooled Separate Account
$11.7M
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| HARTFORD ADVANTAGE TK2 TALCOTT RESOLUTION LIFE INSURANCE COMPANY · EIN 06-0974148 / PN 000 | Pooled Separate Account | — | — | $11.4M | 92.2% | |
| American Funds TD 2050 R2E Pooled separate account a | — | — | — | $1.3M | 10.8% | |
| American Funds Growth Fund Amer R1 Pooled separate account a | — | — | — | $1.2M | 9.3% | |
| American Funds TD 2040 R2E Pooled separate account a | — | — | — | $994K | 8.0% | |
| MFS Blended Research Cr Eq R2 Pooled separate account a | — | — | — | $811K | 6.5% | |
| Talcott Resolution Life Insurance Company Group annuity contract a | — | — | — | $661K | 5.3% | |
| American Funds TD 2055 R2E Pooled separate account a | — | — | — | $613K | 4.9% | |
| American Funds TD 2030 R2E Pooled separate account a | — | — | — | $565K | 4.6% | |
| American Funds TD 2045 R2E Pooled separate account a | — | — | — | $507K | 4.1% | |
| American Funds Europacific Growth R1 Pooled separate account a | — | — | — | $501K | 4.0% | |
| Empower S&P Mid Cap 400 Ind Pooled separate account a | — | — | — | $461K | 3.7% | |
| JPMorgan Core Bond R2 Pooled separate account a | — | — | — | $427K | 3.4% | |
| Empower S&P Small Cap 600 Ind Pooled separate account a | — | — | — | $425K | 3.4% | |
| Empower International Index Inv Pooled separate account a | — | — | — | $365K | 2.9% | |
| American Funds TD 2060 R2E Pooled separate account a | — | — | — | $340K | 2.7% | |
| SEPARATE ACCOUNT K2 TALCOTT RESOLUTION LIFE INSURANCE COMPANY · EIN 06-0974148 / PN 000 | Pooled Separate Account | — | — | $305K | 2.5% | |
| American Funds Fundamentals Invs R1 Pooled separate account a | — | — | — | $294K | 2.4% | |
| MassMutual Global R3 Pooled separate account a | — | — | — | $287K | 2.3% | |
| American Funds Capital World Gr&Inc R2E Pooled separate account a | — | — | — | $275K | 2.2% | |
| JPMorgan Mid Cap Growth R2 Pooled separate account a | — | — | — | $249K | 2.0% | |
| American Century Small Cap Growth R Pooled separate account a | — | — | — | $227K | 1.8% | |
| MFS Mid Cap Value R2 Pooled separate account a | — | — | — | $202K | 1.6% | |
| American Funds TD 2035 R2E Pooled separate account a | — | — | — | $201K | 1.6% | |
| PIMCO Income R Pooled separate account a | — | — | — | $150K | 1.2% | |
| American Funds TD 2020 R2E Pooled separate account a | — | — | — | $147K | 1.2% | |
| MFS Global Real Estate R2 Pooled separate account a | — | — | — | $143K | 1.2% | |
| American Funds TD 2025 R2E Pooled separate account a | — | — | — | $132K | 1.1% | |
| Federated Hermes Clover Small Value R Pooled separate account a | — | — | — | $132K | 1.1% | |
| American Funds American Balanced R2E Pooled separate account a | — | — | — | $104K | 0.8% | |
| MFS Govt Securities R2 Pooled separate account a | — | — | — | $75K | 0.6% | |
| American Century Inflation Adjs Bond R Pooled separate account a | — | — | — | $66K | 0.5% | |
| MassMutual High Yield R3 Pooled separate account a | — | — | — | $65K | 0.5% | |
| JPMorgan Large Cap Growth R2 Pooled separate account a | — | — | — | $53K | 0.4% | |
| Invesco Comstock R Pooled separate account a | — | — | — | $38K | 0.3% | |
| MFS Total Return R2 Pooled separate account a | — | — | — | $30K | 0.2% | |
| Fidelity Advisor Diversified Stock M Pooled separate account a | — | — | — | $18K | 0.1% | |
| JPMorgan US Government MMkt Instl Pooled separate account a | — | — | — | $17K | 0.1% | |
| Columbia Overseas Value R Pooled separate account a | — | — | — | $4K | <0.1% |
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