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Original filing (PDF)20260318090530NAL0003021569001
HCL AMERICA INC
Form 5500
FILING_RECEIVED
HCL AMERICA, INC. 401(K) PLAN
401(k) retirement plan
Signals · 2
Late filing · 4.1 moNo recordkeeper disclosed
Active participants
20,206
Accounts w/ balance
17,805
Plan assets (EOY)
$1.5B
Net assets (EOY)
$1.5B
How this plan invests
This plan
21 pooled trusts
Schedule D
40 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
84
/ 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
84
Concentration risk
100
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- Filed 4.1 months past the 10.5-month grace window.
- 13 bps in Schedule C fees — 160% above peer band of 5 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for HCL AMERICA INC.
Plan sponsor
Name
HCL AMERICA INC
EIN
77-0205035
Address
2600 GREAT AMERICA WAY · SUITE 101 AND 401 · SANTA CLARA, CA · 950541169
Phone
(408) 523-8384
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
2026-03-18
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2R · Participant-directed brokerage (SDBA)
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
SILICON VALLEY ACCOUNTACY CORP.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| UBS FINANCIAL SVC INC | 13-2638166 | — | INVESTMENT ADVISORY | $405K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINSTRATOR | $1.5M | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SILICON VALLEY ACCOUNTANCY | 77-0573994 | — | ACCOUNTANT | $0 | — |
Investments
35 direct securities · 21 pooled funds· $2.3B(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
$1.4B
35 holdings
Common Collective Trust
$822.9M
15 holdings
Pooled Separate Account
$82.5M
6 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Principal Life Time Hybrid 2040 Fund Collective Investment Fund | — | — | — | $143.4M | 9.6% | |
| PRIN LIFETIME HYB 2040 CIT Q PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 007 | Common Collective Trust | — | — | $143.4M | 9.6% | |
| Principal Life Time Hybrid 2035 Fund Collective Investment Fund | — | — | — | $139.4M | 9.4% | |
| PRIN LIFETIME HYB 2035 CIT Q PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 006 | Common Collective Trust | — | — | $139.4M | 9.4% | |
| Fidelity 500 Index Fund Mutual Fund | — | — | — | $137.8M | 9.3% | |
| Principal Life Time Hybrid 2045 Fund Collective Investment Fund | — | — | — | $124.0M | 8.3% | |
| PRIN LIFETIME HYB 2045 CIT Q PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 008 | Common Collective Trust | — | — | $124.0M | 8.3% | |
| Principal Life Time Hybrid 2030 Fund Collective Investment Fund | — | — | — | $109.3M | 7.3% | |
| PRIN LIFETIME HYB 2030 CIT Q PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 005 | Common Collective Trust | — | — | $109.3M | 7.3% | |
| JPMorgan Large Cap Growth Fund Mutual Fund | — | — | — | $94.3M | 6.3% | |
| Vanguard Growth Index Fund Mutual Fund | — | — | — | $94.1M | 6.3% | |
| Principal Life Time Hybrid 2050 Fund Collective Investment Fund | — | — | — | $82.1M | 5.5% | |
| PRIN LIFETIME HYB 2050 CIT Q PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 009 | Common Collective Trust | — | — | $82.1M | 5.5% | |
| Principal Life Time Hybrid 2025 Fund Collective Investment Fund | — | — | — | $72.1M | 4.8% | |
| PRIN LIFETIME HYB 2025 CIT Q PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 004 | Common Collective Trust | — | — | $72.1M | 4.8% | |
| Columbia Global Technology Growth Fund Mutual Fund | — | — | — | $50.8M | 3.4% | |
| PRINCIPAL STABLE VALUE Z FUND PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 93-6274328 / PN 001 | Common Collective Trust | — | — | $47.7M | 3.2% | |
| Charles Schwab * Self-directed Brokerage Accounts Various Securities | — | — | — | $42.8M | 2.9% | |
| Principal Life Time Hybrid 2055 Fund Collective Investment Fund | — | — | — | $41.5M | 2.8% | |
| PRIN LIFETIME HYB 2055 CIT Q PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 010 | Common Collective Trust | — | — | $41.5M | 2.8% | |
| Vanguard Value Index Fund Mutual Fund | — | — | — | $36.8M | 2.5% | |
| Principal Life Time Hybrid 2020 Fund Collective Investment Fund | — | — | — | $25.4M | 1.7% | |
| PRIN LIFETIME HYB 2020 CIT Q PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 003 | Common Collective Trust | — | — | $25.4M | 1.7% | |
| Principal Mid Cap Fund Pooled Separate Account | — | — | — | $20.4M | 1.4% | |
| PRIN MIDCAP SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 020 | Pooled Separate Account | — | — | $20.4M | 1.4% | |
| Principal Mid Cap S&P 400 Index Fund Pooled Separate Account | — | — | — | $18.8M | 1.3% | |
| PRIN MIDCAP S&P 400 IDX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 023 | Pooled Separate Account | — | — | $18.8M | 1.3% | |
| Principal * Vanguard Intermediate-Term Bond Index Fund Mutual Fund | — | — | — | $17.8M | 1.2% | |
| participants 10.50% | — | — | — | $17.8M | 1.2% | |
| PRIN SMCAP S&P 600 INDEX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 028 | Pooled Separate Account | — | — | $17.0M | 1.1% | |
| Principal Life Time Hybrid 2060 Fund Collective Investment Fund | — | — | — | $16.0M | 1.1% | |
| PRIN LIFETIME HYB 2060 CIT Q PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 012 | Common Collective Trust | — | — | $16.0M | 1.1% | |
| New Perspective Fund Mutual Fund | — | — | — | $15.3M | 1.0% | |
| PRIN HIGH YIELD SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 137 | Pooled Separate Account | — | — | $13.0M | 0.9% | |
| Vanguard Developing Markets Fund Mutual Fund | — | — | — | $12.6M | 0.8% | |
| PRIN CORE PLUS BOND SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 005 | Pooled Separate Account | — | — | $9.0M | 0.6% | |
| Calvert US Large Cap Core Responsible Fund Mutual Fund | — | — | — | $8.3M | 0.6% | |
| Federated Hermes Kaufmann Small Cap Fund Mutual Fund | — | — | — | $8.1M | 0.5% | |
| Fidelity Advisor Energy Fund Mutual Fund | — | — | — | $8.0M | 0.5% | |
| Invesco Gold & Special Minerals Fund Mutual Fund | — | — | — | $7.8M | 0.5% | |
| Principal Life Time Hybrid Income Fund Collective Investment Fund | — | — | — | $7.7M | 0.5% | |
| PRIN LIFETIME HYB INC CIT Q PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 011 | Common Collective Trust | — | — | $7.7M | 0.5% | |
| Principal Life Time Hybrid 2065 Fund Collective Investment Fund | — | — | — | $6.9M | 0.5% | |
| PRIN LIFETIME HYB 2065 CIT Q PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 013 | Common Collective Trust | — | — | $6.9M | 0.5% | |
| Allspring Special Mid Cap Value Fund Mutual Fund | — | — | — | $6.3M | 0.4% | |
| Principal Life Time Hybrid 2015 Fund Collective Investment Fund | — | — | — | $5.6M | 0.4% | |
| PRIN LIFETIME HYB 2015 CIT Q PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 002 | Common Collective Trust | — | — | $5.6M | 0.4% | |
| MFS International Instrinsic Value Fund Mutual Fund | — | — | — | $5.3M | 0.4% | |
| T. Rowe Price Health Sciences Fund Mutual Fund | — | — | — | $4.6M | 0.3% | |
| PRIN REAL ESTATE SECS SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 095 | Pooled Separate Account | — | — | $4.5M | 0.3% | |
| New World Fund Mutual Fund | — | — | — | $4.2M | 0.3% | |
| MFS New Discovery Value Fund Mutual Fund | — | — | — | $3.9M | 0.3% | |
| EuroPacific Growth Fund Mutual Fund | — | — | — | $3.3M | 0.2% | |
| Principal Life Time Hybrid 2070 Fund Collective Investment Fund | — | — | — | $1.7M | 0.1% | |
| PRIN LIFETIME HYB 2070 CIT Q PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 014 | Common Collective Trust | — | — | $1.7M | 0.1% | |
| VANGUARD RET SAVINGS TR IV VANGUARD FIDUCIARY TRUST COMPANY · EIN 61-6451184 / PN 025 | Common Collective Trust | — | — | $0 | <0.1% |