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Original filing (PDF)20251022121242NAL0001407185001
HOMEGUARD, INCORPORATED
Form 5500
FILING_RECEIVED
HOMEGUARD, INCORPORATED RETIREMENT PLAN
401(k) retirement plan
Signals · 3
No auditor on file~199 bps in Sched C feesNo recordkeeper disclosed
Active participants
138
Accounts w/ balance
110
Plan assets (EOY)
$1.4M
Net assets (EOY)
$1.4M
How this plan invests
This plan
16 pooled trusts
Schedule D
17 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
77
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
60
Concentration risk
100
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- No independent qualified public accountant (IQPA) named.
- 199 bps in Schedule C fees — 284% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for HOMEGUARD, INCORPORATED.
Plan sponsor
Name
HOMEGUARD, INCORPORATED
EIN
77-0187837
Address
510 MADERA AVENUE · SAN JOSE, CA · 95112
Phone
(408) 993-1900
Industry
Admin Support & Waste Mgmtsee 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
2025-10-22
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
2S · Automatic enrollment
Audit & trust (Schedule H)
Auditor
—
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WILSHIRE ASSOCIATES INC | 95-2755361 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE | 42-0127290 | — | CONTRACT ADMINISTRATOR | $21K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PLAN DESIGN CONSULTANTS, INC. | 94-2936206 | — | CONTACT ADMINISTRATOR | $7K | — |
Investments
14 direct securities · 16 pooled funds· $2.7M(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
$1.4M
14 holdings
Common Collective Trust
$1.3M
10 holdings
Pooled Separate Account
$34K
6 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Principal Life Time Hybrid 2030 Collective Investment Trust | — | — | — | $255K | 18.2% | |
| PRIN LIFETIME HYBR 2030 CIT Z PRINCIPAL LIFE INSURNACE COMPANY · EIN 26-6447574 / PN 005 | Common Collective Trust | — | — | $255K | 18.2% | |
| Principal Life Time Hybrid 2050 Collective Investment Trust | — | — | — | $213K | 15.2% | |
| PRIN LIFETIME HYBR 2050 CIT Z PRINCIPAL LIFE INSURNACE COMPANY · EIN 26-6447574 / PN 009 | Common Collective Trust | — | — | $213K | 15.2% | |
| Principal Life Time Hybrid 2025 Collective Investment Trust | — | — | — | $202K | 14.4% | |
| PRIN LIFETIME HYBR 2025 CIT Z PRINCIPAL LIFE INSURNACE COMPANY · EIN 26-6447574 / PN 004 | Common Collective Trust | — | — | $202K | 14.4% | |
| Principal Life Time Hybrid 2045 Collective Investment Trust | — | — | — | $188K | 13.4% | |
| PRIN LIFETIME HYBR 2045 CIT Z PRINCIPAL LIFE INSURNACE COMPANY · EIN 26-6447574 / PN 008 | Common Collective Trust | — | — | $188K | 13.4% | |
| Principal Life Time Hybrid 2055 Collective Investment Trust | — | — | — | $171K | 12.1% | |
| PRIN LIFETIME HYBR 2055 CIT Z PRINCIPAL LIFE INSURNACE COMPANY · EIN 26-6447574 / PN 010 | Common Collective Trust | — | — | $171K | 12.1% | |
| Principal Life Time Hybrid 2035 Collective Investment Trust | — | — | — | $147K | 10.5% | |
| PRIN LIFETIME HYBR 2035 CIT Z PRINCIPAL LIFE INSURNACE COMPANY · EIN 26-6447574 / PN 006 | Common Collective Trust | — | — | $147K | 10.5% | |
| Principal Life Time Hybrid 2040 Collective Investment Trust | — | — | — | $63K | 4.5% | |
| PRIN LIFETIME HYBR 2040 CIT Z PRINCIPAL LIFE INSURNACE COMPANY · EIN 26-6447574 / PN 007 | Common Collective Trust | — | — | $63K | 4.5% | |
| Principal Life Time Hybrid 2060 Collective Investment Trust | — | — | — | $49K | 3.5% | |
| PRIN LIFETIME HYBR2060 CIT-Z PRINCIPAL LIFE INSURNACE COMPANY · EIN 26-6447574 / PN 012 | Common Collective Trust | — | — | $49K | 3.5% | |
| Principal Life Time Hybrid 2065 Collective Investment Trust | — | — | — | $29K | 2.1% | |
| PRIN LIFETIME HYBR2065 CIT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 26-6447574 / PN 013 | Common Collective Trust | — | — | $29K | 2.1% | |
| DFA U.S. Large Cap Value Fund Registered Investment Companies | — | — | — | $24K | 1.7% | |
| PRIN LGCP S&P 500 INDEX SA-Z PRINCIPAL LIFE INSURNACE COMPANY · EIN 42-0127290 / PN 016 | Pooled Separate Account | — | — | $21K | 1.5% | |
| DFA U.S. Targeted Value Fund Registered Investment Companies | — | — | — | $12K | 0.8% | |
| T. Rowe Price Large Cap Growth Index Pooled Separate Account | — | — | — | $10K | 0.7% | |
| PRIN LARGECAP GROWTH I SA-Z PRINCIPAL LIFE INSURNACE COMPANY · EIN 42-0127290 / PN 066 | Pooled Separate Account | — | — | $10K | 0.7% | |
| American Fund New World Fund Registered Investment Companies | — | — | — | $3K | 0.2% | |
| T. Rowe Price International U.S. Securities Growth Equity Fund Registered Investment Companies | — | — | — | $2K | 0.1% | |
| PRIN SMCAP S&P 600 INDEX SA-Z PRINCIPAL LIFE INSURNACE COMPANY · EIN 42-0127290 / PN 028 | Pooled Separate Account | — | — | $2K | 0.1% | |
| PRIN MIDCAP S&P 400 IDX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 023 | Pooled Separate Account | — | — | $2K | 0.1% | |
| PRIN GI REAL EST SEC SA-Z PRINCIPAL LIFE INSURNACE COMPANY · EIN 42-0127290 / PN 136 | Pooled Separate Account | — | — | $75 | <0.1% | |
| PRIN LIFETIME HYBR INC CIT Z PRINCIPAL LIFE INSURNACE COMPANY · EIN 26-6447574 / PN 011 | Common Collective Trust | — | — | $0 | <0.1% | |
| PRINCIPAL OVERSEAS SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 116 | Pooled Separate Account | — | — | $0 | <0.1% |
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