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Original filing (PDF)20250930115748NAL0019366658001
CTOS, LLC
Form 5500
FILING_RECEIVED
CTOS, LLC 401(K) PLAN
401(k) retirement plan
Active participants
2,397
Accounts w/ balance
2,837
Plan assets (EOY)
$128.7M
Net assets (EOY)
$128.7M
How this plan invests
This plan
16 pooled trusts
Schedule D
33 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
100
Participation health
100
Knocking points off
- 23 bps in Schedule C fees — 135% above peer band of 10 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CTOS, LLC.
Plan sponsor
Name
CTOS, LLC
EIN
81-1853358
Address
7701 EAST 24 HIGHWAY · KANSAS CITY, MO · 64125
Phone
(682) 803-0420
Industry
Other Services (ex. Public Admin)see 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
2025-09-30
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
2T · Default investment account (QDIA)
3B · Covers self-employed individuals
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
BERGANKDV, LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $267K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| INTELLICENTS INVESTMENT SOLUTIONS I | — | ALBERT LEA, MN | INVESTMENT ADVISOR | $35K | — |
Investments
17 direct securities · 16 pooled funds· $128.3M(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.
Common Collective Trust
$89.0M
16 holdings
Uncategorized
$38.9M
16 holdings
Mutual Funds
$423K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| INTELLICENTS AGGRESSIVE CIF ALTA TRUST · EIN 86-3956341 / PN 001 | Common Collective Trust | — | — | $18.0M | 14.0% | |
| INTELLICENTS MODERATELY AGGRESSIVE ALTA TRUST · EIN 86-3914399 / PN 001 | Common Collective Trust | — | — | $9.6M | 7.4% | |
| Vanguard Investments Growth Index Admiral | — | — | — | $9.4M | 7.3% | |
| Vanguard Investments 500 Index Admiral Fund | — | — | — | $8.0M | 6.2% | |
| INTELLICENTS MODERATE CIF ALTA TRUST · EIN 86-3956341 / PN 001 | Common Collective Trust | — | — | $7.4M | 5.8% | |
| AMERICAN CENTURY RD HYBRID 2040 CL BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 084 | Common Collective Trust | — | — | $7.1M | 5.6% | |
| AMERICAN CENTURY RD HYBRID 2035 CL BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 083 | Common Collective Trust | — | — | $5.7M | 4.4% | |
| AMERICAN CENTURY RD HYBRID 2055 CL BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 087 | Common Collective Trust | — | — | $5.7M | 4.4% | |
| AMERICAN CENTURY RD HYBRID 2030 CL BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 082 | Common Collective Trust | — | — | $5.1M | 4.0% | |
| AMERICAN CENTURY RD HYBRID 2045 CL BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 085 | Common Collective Trust | — | — | $4.8M | 3.7% | |
| AMERICAN CENTURY RD HYBRID 2060 CL BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 088 | Common Collective Trust | — | — | $4.7M | 3.7% | |
| AMERICAN CENTURY RD HYBRID 2050 CL BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 086 | Common Collective Trust | — | — | $4.7M | 3.7% | |
| INTELLICENTS MODERATELY CONSERVATIV ALTA TRUST · EIN 86-3883297 / PN 001 | Common Collective Trust | — | — | $4.6M | 3.6% | |
| AMERICAN CENTURY RD HYBRID 2025 CL BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 081 | Common Collective Trust | — | — | $4.4M | 3.4% | |
| participants dates ranging from January 2025 to December 2039 $ - | — | — | — | $3.1M | 2.4% | |
| Vanguard Investments Value Index Admiral Fund | — | — | — | $3.1M | 2.4% | |
| INTELLICENTS CONSERVATIVE CIF ALTA TRUST · EIN 86-3974282 / PN 001 | Common Collective Trust | — | — | $2.4M | 1.9% | |
| MFS Investments International Diversification Fund R6 | — | — | — | $2.4M | 1.8% | |
| AMERICAN CENTURY RD HYBRID IN RET C BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 079 | Common Collective Trust | — | — | $2.1M | 1.7% | |
| Fixed Annuities Empower Annuity Insurance * Company of America Empower Investments Fixed Account - Series Class VI | — | — | — | $2.0M | 1.6% | |
| Vanguard Investments Mid-Cap Value Index Admiral Fund | — | — | — | $2.0M | 1.6% | |
| AMERICAN CENTURY RD HYBRID 2065 CL BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 089 | Common Collective Trust | — | — | $1.9M | 1.4% | |
| T. Rowe Price New Horizons Fund | — | — | — | $1.8M | 1.4% | |
| American Century Small Cap Value Fund R6 | — | — | — | $1.4M | 1.1% | |
| Vanguard Investments Mid-Cap Growth Index Admiral Fund | — | — | — | $1.2M | 0.9% | |
| Baird Investments Core Plus Bond Institutional Fund | — | — | — | $1.0M | 0.8% | |
| Pimco Funds Income Institutional Fund | — | — | — | $990K | 0.8% | |
| Vanguard Investments Small Cap Index Admiral Fund | — | — | — | $939K | 0.7% | |
| Vanguard Investments Mid Cap Index Admiral Fund | — | — | — | $904K | 0.7% | |
| BLACKROCK TOTAL RETURN BOND CL 6 GREAT GRAY · EIN 82-2941483 / PN 264 | Common Collective Trust | — | — | $726K | 0.6% | |
| Vanguard Investments Real Estate Index Admiral | — | — | — | $448K | 0.3% | |
| American Century Emerging Markets Fund R6 | Mutual Funds | — | — | $423K | 0.3% | |
| Dimensional Fund Advisors Inflation Protected Securities Fund | — | — | — | $252K | 0.2% |
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