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Original filing (PDF)20251201105511NAL0015480688001
SYMPHONYAI, LLC
Form 5500
FILING_RECEIVED
SYMPHONYAI 401(K) PLAN
401(k) retirement plan
Signals · 1
Late filing · 0.5 mo
Active participants
518
Accounts w/ balance
799
Plan assets (EOY)
$72.5M
Net assets (EOY)
$72.5M
How this plan invests
This plan
1 pooled trust
Schedule D
38 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
98
Concentration risk
100
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- Filed 0.5 months past the 10.5-month grace window.
- 32 bps in Schedule C fees — 100% above peer band of 16 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SYMPHONYAI, LLC.
Plan sponsor
Name
SYMPHONYAI, LLC
EIN
81-3667465
Address
3300 HILLVIEW AVENUE · PALO ALTO, CA · 94304
Phone
(650) 868-7561
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
2025-12-01
Pension benefit codes
2E · Profit-sharing
2J · 401(k) feature
2K · 401(m) arrangement
2F · ERISA section 404(c)
2G · Total participant-directed accounts
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
BDO USA, P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INS. CO OF AMERICA | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $87K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| GLOBAL RETIREMENT PARTNERS. LLC | — | SAN RAFAEL, CA | INVESTMENT ADVISOR | $116K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| THE ANGELL PENSION GROUP, INC | — | EAST PROVIDENCE, RI | CONTRACT ADMIN | $20K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $10K | — |
Investments
37 direct securities · 1 pooled fund· $72.5M(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
$69.7M
35 holdings
Guaranteed Income / GIC
$2.3M
1 holding
Mutual Funds
$389K
1 holding
Common Collective Trust
$55K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity 500 Index | — | — | — | $11.2M | 15.4% | |
| Vanguard Target Retirement 2045 INV | — | — | — | $6.9M | 9.5% | |
| Vanguard Target Retirement 2040 INV | — | — | — | $6.8M | 9.4% | |
| JP Morgan Large Gap Growth R6 | — | — | — | $6.5M | 9.0% | |
| Vanguard Target Retirement 2035 INV | — | — | — | $4.9M | 6.8% | |
| Vanguard Target Retirement 2050 INV | — | — | — | $4.7M | 6.4% | |
| Vanguard Target Retirement 2055 INV | — | — | — | $3.3M | 4.6% | |
| Vanguard Target Retirement 2025 INV | — | — | — | $3.3M | 4.5% | |
| Vanguard Target Retirement 2030 INV | — | — | — | $3.0M | 4.2% | |
| Vanguard Growth Index ADM | — | — | — | $2.3M | 3.2% | |
| * Empower EI Fixed Account – Series Class I, Crediting interest rate of 1.45% | Guaranteed Income / GIC | — | — | $2.3M | 3.2% | |
| Vanguard Balanced Index ADM | — | — | — | $1.7M | 2.3% | |
| DFA Global Equity I | — | — | — | $1.2M | 1.7% | |
| Vanguard Mid Cap Index Fund – Admiral | — | — | — | $1.2M | 1.7% | |
| Vanguard Target Retirement 2060 INV | — | — | — | $1.2M | 1.7% | |
| American Funds American Mutual R6 | — | — | — | $1.1M | 1.5% | |
| Vanguard Total INTL Stock Index Admiral | — | — | — | $1.1M | 1.5% | |
| Vanguard Explorer ADM | — | — | — | $1.0M | 1.4% | |
| JP Morgan Core Plus Bond R6 | — | — | — | $969K | 1.3% | |
| MFS Mid Cap Growth R6 | — | — | — | $908K | 1.3% | |
| MFS International Growth R6 | — | — | — | $896K | 1.2% | |
| Vanguard Small Cap Index ADM | — | — | — | $827K | 1.1% | |
| Vanguard Value Index ADM | — | — | — | $588K | 0.8% | |
| JP Morgan US Equity R6 | — | — | — | $549K | 0.8% | |
| DFA Inflation Protected Securities I | — | — | — | $524K | 0.7% | |
| Vanguard Target Retirement Income INV | — | — | — | $522K | 0.7% | |
| PGIM High Yield R6 | — | — | — | $455K | 0.6% | |
| Participant Loans Interest rates ranging from 3.25% to 9.50% | — | — | — | $430K | 0.6% | |
| DFA US Targeted Value I | — | — | — | $403K | 0.6% | |
| American Century Mid Cap Value R6 | Mutual Funds | — | — | $389K | 0.5% | |
| American Funds New World R6 | — | — | — | $363K | 0.5% | |
| Vanguard Target Retirement 2065 INV | — | — | — | $257K | 0.4% | |
| DFA Real Estate Securities I | — | — | — | $207K | 0.3% | |
| Vanguard Target Retirement 2020 INV | — | — | — | $150K | 0.2% | |
| Pioneer Strategic Income K | — | — | — | $116K | 0.2% | |
| PIMCO International Bond (USD-Hedged) Institutional | — | — | — | $63K | <0.1% | |
| MORLEY STABLE VALUE FUND PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 93-6274329 / PN 001 | Common Collective Trust | — | — | $55K | <0.1% | |
| Vanguard Target Retirement 2070 INV | — | — | — | $37K | <0.1% |
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