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Original filing (PDF)20250919103513NAL0001045139001
UNITY BPO INC.
Form 5500
FILING_RECEIVED
UNITY BPO 401(K) PLAN
401(k) retirement plan
Signals · 3
27% in single holding~75 bps in Sched C feesNo recordkeeper disclosed
Active participants
138
Accounts w/ balance
97
Plan assets (EOY)
$3.3M
Net assets (EOY)
$3.3M
How this plan invests
This plan
26 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
90
/ 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
86
Total plan cost
80
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "Nuveen Lifecycle Index 2025 R6 Nuveen 0" is 27% of plan.
- 75 bps in Schedule C fees — modestly 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 UNITY BPO INC..
Plan sponsor
Name
UNITY BPO INC.
EIN
81-1711661
Address
4100 OSUNA RD. NE · SUITE 3-301 · ALBUQUERQUE, NM · 87109
Phone
(505) 346-4913
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
2025-09-19
Pension benefit codes
2A · Age/service weighted or new comparability
2E · Profit-sharing
3D · Pre-approved plan (master / prototype / VS)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2F · ERISA section 404(c)
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
CLIFTONLARSONALLEN LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ASCENSUS LLC | 11-3665754 | — | NONE | $16K | — |
| RBC CAPITAL MARKETS | 41-1416330 | — | NONE | $9K | — |
Investments
24 direct securities· $3.3M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Nuveen Lifecycle Index 2025 R6 Nuveen 0 | — | — | — | $904K | 27.4% | |
| Nuveen Lifecycle Index 2030 R6 Nuveen 0 | — | — | — | $512K | 15.5% | |
| Nuveen Lifecycle Index 2045 R6 Nuveen 0 | — | — | — | $312K | 9.5% | |
| Nuveen Lifecycle Index 2040 R6 Nuveen 0 | — | — | — | $288K | 8.7% | |
| Vanguard LifeStrategy Growth Inv Vanguard 0 910 Nuveen Lifecycle Index 2060 R6 Nuveen 0 | — | — | — | $267K | 8.1% | |
| Nuveen Lifecycle Index 2035 R6 Nuveen 0 | — | — | — | $257K | 7.8% | |
| Nuveen Lifecycle Index 2050 R6 Nuveen 0 | — | — | — | $153K | 4.7% | |
| Nuveen Lifecycle Index 2055 R6 Nuveen 0 | — | — | — | $145K | 4.4% | |
| Vanguard Balanced Index Adm Vanguard 0 | — | — | — | $119K | 3.6% | |
| iShares S&P 500 Index K iShares 0 | — | — | — | $77K | 2.3% | |
| Vanguard Federal Money Market Inv Vanguard 0 | — | — | — | $75K | 2.3% | |
| Vanguard Wellesley Income Adm Vanguard 0 | — | — | — | $39K | 1.2% | |
| Nuveen Large Cap Growth Index R6 Nuveen 0 | — | — | — | $34K | 1.0% | |
| Various Rates and Maturities Participant's Loan Account 0 | — | — | — | $30K | 0.9% | |
| American Funds New Perspective R6 American Funds 0 | — | — | — | $22K | 0.7% | |
| Nuveen Lifecycle Index 2020 R6 Nuveen 0 44 Nuveen Lifecycle Index Retirement Inc R6 Nuveen 0 44 Loomis Sayles Invmt Grade Bond Y Loomis Sayles 0 | — | — | — | $16K | 0.5% | |
| iShares Core S&P Mid-Cap ETF iShares 0 | — | — | — | $14K | 0.4% | |
| Vanguard Small-Cap Index Adm Vanguard 0 | — | — | — | $9K | 0.3% | |
| iShare Core MSCI EAFE Index iShare 0 | — | — | — | $8K | 0.3% | |
| Manning & Napier Core Bond Z Vanguard 0 | — | — | — | $8K | 0.2% | |
| Schwab Fundamental U.S. Large Comp Index Schwab 0 | — | — | — | $7K | 0.2% | |
| (1) X This form is filed for a CCT, PSA, or MTIA. | — | — | — | $3K | <0.1% | |
| performed pursuant to both 29 CFR 2520.103-8 and 29 CFR 2520.103-12(d). Check box (3) if pursuant to neither. | — | — | $3K | $3K | <0.1% | |
| Yes No Amount a | — | — | — | $3K | <0.1% |
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