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Original filing (PDF)20251006134107NAL0001896979001
CIELO, INC.
Form 5500
FILING_RECEIVED
CIELO, INC. 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
1,017
Accounts w/ balance
1,366
Plan assets (EOY)
$63.5M
Net assets (EOY)
$63.5M
How this plan invests
This plan
5 pooled trusts
Schedule D
28 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
80
Participation health
100
Knocking points off
- 35 bps in Schedule C fees — 120% above peer band of 16 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CIELO, INC..
Plan sponsor
Name
CIELO, INC.
EIN
76-0807472
Address
10100 W INNOVATION DRIVE · SUITE 250 · WAUWATOSA, WI · 53226
Phone
(262) 267-4300
Industry
Admin Support & Waste Mgmtsee all
Plan administrator
Name
FIDELITY WORKPLACE SERVICES LLC
EIN
04-3532603
City
COVINGTON, KY
Phone
(859) 386-4199
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-06
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
3D · Pre-approved plan (master / prototype / VS)
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
BAKER TILLY US LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NFP RETIREMENT INC | 33-0905143 | — | ADVISOR | $74K | — |
| STRATEGIC ADVISORS, INC. | 04-2654524 | — | ADVISOR | $15K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY WORKPLACE SERVICES, LLC | 04-3532603 | — | PLAN ADMINISTRATOR | $135K | — |
Investments
24 direct securities · 5 pooled funds· $63.5M(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
$55.1M
23 holdings
Mutual Funds
$5.1M
1 holding
Common Collective Trust
$3.3M
5 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Investments Freedom Index 2040 IPR N/R | — | — | — | $10.7M | 16.8% | |
| Fidelity Investments Freedom Index 2045 IPR N/R | — | — | — | $9.2M | 14.5% | |
| Fidelity Investments Freedom Index 2050 IPR N/R | — | — | — | $8.7M | 13.8% | |
| Fidelity Investments Freedom Index 2035 IPR N/R | — | — | — | $7.5M | 11.9% | |
| Fidelity Investments Freedom Index 2055 IPR N/R | — | — | — | $6.9M | 10.9% | |
| s * Fidelity Investments 500 Index Fund N/R | Mutual Funds | — | — | $5.1M | 8.1% | |
| Fidelity Investments Freedom Index 2030 IPR N/R | — | — | — | $2.9M | 4.6% | |
| Fidelity Investments Freedom Index 2060 IPR N/R | — | — | — | $2.1M | 3.2% | |
| LARGE CAP GR IV I1 GREAT GRAY TRUST COMPANY, LLC · EIN 38-7289851 / PN 001 | Common Collective Trust | — | — | $1.4M | 2.2% | |
| LARGE CP VALUE I1 GREAT GRAY TRUST COMPANY, LLC · EIN 38-4065329 / PN 426 | Common Collective Trust | — | — | $1.3M | 2.1% | |
| Fidelity Investments International Capital Appreciation K6 N/R | — | — | — | $957K | 1.5% | |
| Fidelity Investments Freedom Index 2025 IPR N/R | — | — | — | $914K | 1.4% | |
| Fidelity Investments Mid Cap Index Fund N/R | — | — | — | $842K | 1.3% | |
| Participant Loans Interest rates: 4.25% - 9.50% | — | — | — | $820K | 1.3% | |
| Baird Aggregate Bond Inst N/R | — | — | — | $699K | 1.1% | |
| Fidelity Investments Small Cap Index Fund N/R | — | — | — | $574K | 0.9% | |
| Money Market Accounts * Fidelity Investments Government Money Market K6 | — | — | — | $431K | 0.7% | |
| SMALL CAP GROWTH I1 GREAT GRAY TRUST COMPANY · EIN 38-4126288 / PN 592 | Common Collective Trust | — | — | $412K | 0.6% | |
| Fidelity Investments Freedom Index 2065 IPR N/R | — | — | — | $398K | 0.6% | |
| Dimensional Fund Advisors Emerging Markets I N/R | — | — | — | $308K | 0.5% | |
| Dimensional Fund Advisors International Small Company I N/R | — | — | — | $242K | 0.4% | |
| Fidelity Investments Freedom Index 2020 IPR N/R | — | — | — | $216K | 0.3% | |
| SMALL CAP VAL II I1 GREAT GRAY TRUST COMPANY · EIN 38-4097325 / PN 488 | Common Collective Trust | — | — | $195K | 0.3% | |
| Fidelity Investments Inflation-Protected Bond Index N/R | — | — | — | $183K | 0.3% | |
| Fidelity Investments Freedom Index Inc IPR N/R | — | — | — | $171K | 0.3% | |
| Fidelity Investments Freedom Index 2015 IPR N/R | — | — | — | $145K | 0.2% | |
| Amundi US Pioneer Strategic Inc Y N/R | — | — | — | $80K | 0.1% | |
| Fidelity Investments Freedom Index 2010 IPR N/R | — | — | — | $4K | <0.1% | |
| GG EMERGING MKTS I1 GREAT GRAY TRUST COMPANY · EIN 86-1819869 / PN 672 | Common Collective Trust | — | — | $0 | <0.1% |
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