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Original filing (PDF)20251009135129NAL0006670481001
UPGRADE INC.
Form 5500
FILING_RECEIVED
UPGRADE INC. 401(K) PLAN
401(k) retirement plan
Signals · 2
No recordkeeper disclosed9 service providers
Active participants
1,537
Accounts w/ balance
1,961
Plan assets (EOY)
$54.5M
Net assets (EOY)
$54.5M
How this plan invests
This plan
1 pooled trust
Schedule D
28 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
93
/ 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
80
Vendor stack
80
Participation health
100
Knocking points off
- 22 bps in Schedule C fees — modestly 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 UPGRADE INC..
Plan sponsor
Name
UPGRADE INC.
EIN
81-2807376
Address
275 BATTERY STREET · SAN FRANCISCO, CA · 94111
Phone
(203) 216-9827
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-09
Pension benefit codes
2A · Age/service weighted or new comparability
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)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
PENSION ASSURANCE LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
9 rowsOther
9| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| T. ROWE PRICE RPS, INC. | 52-1309931 | — | NONE | $117K | — |
| ALLSPRING SPECIAL SMALL-CAP VAL R | — | CHARLOTTE, NC | NONE | $0 | — |
| JP MORGAN FUNDS | 13-2624428 | — | NONE | $0 | — |
| BLACKROCK FUNDS | 04-6171663 | — | NONE | $0 | — |
| FIDELITY | 04-2647786 | — | NONE | $0 | — |
| PRINCIPAL FUND | 42-1520346 | — | NONE | $0 | — |
| VANGUARD GROUP | 23-1945930 | — | NONE | $0 | — |
| MFS FUNDS | 04-2747644 | — | NONE | $0 | — |
| EUROPACIFIC GROWTH FUND | 38-7289843 | — | NONE | $0 | — |
Investments
28 direct securities · 1 pooled fund· $54.8M(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
$54.5M
28 holdings
Common Collective Trust
$288K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| T. ROWE PRICE RETIREMENT 2050 TR-K | — | — | — | $9.0M | 16.4% | |
| T. ROWE PRICE RETIREMENT 2055 TR-K | — | — | — | $8.8M | 16.1% | |
| FIDELITY 500 INDEX | — | — | — | $6.8M | 12.5% | |
| T. ROWE PRICE RETIREMENT 2045 TR-K | — | — | — | $6.5M | 11.9% | |
| T. ROWE PRICE RETIREMENT 2060 TR-K | — | — | — | $5.9M | 10.9% | |
| T. ROWE PRICE RETIREMENT 2040 TR-K | — | — | — | $3.5M | 6.4% | |
| T. ROWE PRICE RETIREMENT 2035 TR- K | — | — | — | $2.6M | 4.7% | |
| T. ROWE PRICE RETIREMENT 2065 TR-K | — | — | — | $2.2M | 4.1% | |
| T. ROWE PRICE RETIREMENT 2030 TR-K | — | — | — | $2.2M | 4.0% | |
| JPMORGAN LARGE CAP GROWTH R6 | — | — | — | $2.0M | 3.6% | |
| FIDELITY TOTAL INTL INDEX | — | — | — | $891K | 1.6% | |
| FIDELITY EXTENDED MARKET INDEX | — | — | — | $664K | 1.2% | |
| PARTICIPANT LOANS | — | — | — | $650K | 1.2% | |
| T. ROWE PRICE RETIREMENT 2025 TR-K | — | — | — | $544K | 1.0% | |
| FIDELITY US BOND INDEX | — | — | — | $415K | 0.8% | |
| VANGUARD FTSE SOCIAL INDEX FUND ADMIRAL | — | — | — | $384K | 0.7% | |
| MFS MID CAP GROWTH FUND CT | — | — | — | $302K | 0.6% | |
| T. ROWE PRICE STABLE VALUE N | — | — | — | $288K | 0.5% | |
| TRP ST VAL COMMON TRUST FUND T.ROWE PRICE TRUST COMPANY · EIN 52-1309931 / PN 001 | Common Collective Trust | — | — | $288K | 0.5% | |
| BLACKROCK TOTAL RETURN K | — | — | — | $234K | 0.4% | |
| ALLSPRING SPECIAL SMALL CAP VALUE R6 | — | — | — | $154K | 0.3% | |
| PRINCIPAL SMALLCAP GROWTH I R6 | — | — | — | $144K | 0.3% | |
| MFS MID CAP VALUE FUND CT | — | — | — | $105K | 0.2% | |
| T. ROWE PRICE RETIREMENT 2005 TR -K | — | — | — | $88K | 0.2% | |
| WILMINGTON TRUST EUROPACIFIC GROWTH CT | — | — | — | $77K | 0.1% | |
| MFS LARGE CAP VALUE CIT FEE CLASS CT | — | — | — | $65K | 0.1% | |
| T. ROWE PRICE RETIREMENT 2020 TR-K | — | — | — | $13K | <0.1% | |
| T. ROWE PRICE RETIREMENT 2015 TR -K | — | — | — | $5K | <0.1% | |
| T. ROWE PRICE GOVERNMENT MONEY I | — | — | — | $191 | <0.1% |