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Original filing (PDF)20251010123204NAL0007720129001
VELO-PAYMENTS INC.
Form 5500
FILING_RECEIVED
VELO-PAYMENTS 401(K) PLAN
401(k) retirement plan
Active participants
32
Accounts w/ balance
195
Plan assets (EOY)
$14.3M
Net assets (EOY)
$14.3M
How this plan invests
This plan
1 pooled trust
Schedule D
33 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
100
/ 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
100
Vendor stack
100
Participation health
100
Helping the score
- Below-peer total fees (14 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for VELO-PAYMENTS INC..
Plan sponsor
Name
VELO-PAYMENTS INC.
EIN
81-4075675
Address
700 LARKSPUR LANDING CIRCLE · SUITE 199 · LARKSPUR, CA · 94939
Phone
(866) 289-5977
Industry
Finance & Insurancesee 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
2025-10-10
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
ARMANINO LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $20K | — |
Investments
32 direct securities · 1 pooled fund· $14.3M(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.
Uncategorized
$14.1M
32 holdings
Common Collective Trust
$179K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Blue Chip Growth Fund Mutual Fund | — | — | — | $2.1M | 14.8% | |
| Fidelity OTC Portfolio Fund Mutual Fund | — | — | — | $1.4M | 9.7% | |
| Vanguard 500 Index Admiral Fund Mutual Fund | — | — | — | $1.3M | 9.3% | |
| Fidelity Freedom 2045 Fund Mutual Fund | — | — | — | $1.2M | 8.6% | |
| Fidelity Freedom 2050 Fund Mutual Fund | — | — | — | $1.2M | 8.4% | |
| Fidelity Freedom 2040 Fund Mutual Fund | — | — | — | $1.1M | 7.7% | |
| Fidelity Freedom 2035 Fund Mutual Fund | — | — | — | $834K | 5.8% | |
| Fidelity Freedom 2055 Fund Mutual Fund | — | — | — | $692K | 4.8% | |
| Fidelity Puritan Fund Mutual Fund | — | — | — | $527K | 3.7% | |
| Fidelity Freedom 2030 Fund Mutual Fund | — | — | — | $386K | 2.7% | |
| Fidelity Freedom 2060 Fund Mutual Fund | — | — | — | $371K | 2.6% | |
| Fidelity Government Money Market Fund Money Market Fund | — | — | — | $363K | 2.5% | |
| Dodge and Cox Stock Fund Mutual Fund | — | — | — | $298K | 2.1% | |
| Vanguard Small-Cap Index Fund Admiral Shares Mutual Fund | — | — | — | $257K | 1.8% | |
| Fidelity Total Bond Fund Mutual Fund | — | — | — | $237K | 1.7% | |
| Vanguard Mid-Cap Index Fund Admiral Shares Mutual Fund | — | — | — | $236K | 1.7% | |
| Victory Sycamore Established Value Fund Mutual Fund | — | — | — | $213K | 1.5% | |
| C&S US REALTY P SEI TRUST COMPANY · EIN 46-3411346 / PN 064 | Common Collective Trust | — | — | $179K | 1.3% | |
| Fidelity Freedom 2025 Fund Mutual Fund | — | — | — | $165K | 1.2% | |
| Fidelity Growth Strategies Fund Mutual Fund | — | — | — | $141K | 1.0% | |
| Fidelity Freedom 2065 Fund Mutual Fund | — | — | — | $139K | 1.0% | |
| Vanguard Intermediate Bond Index Admiral Fund Mutual Fund | — | — | — | $131K | 0.9% | |
| Calvert US Large Cap Value Fund Mutual Fund | — | — | — | $125K | 0.9% | |
| Fidelity International Capital Appreciation Fund Mutual Fund | — | — | — | $124K | 0.9% | |
| Fidelity Freedom 2020 Fund Mutual Fund | — | — | — | $85K | 0.6% | |
| Fidelity Small Cap Value Fund Mutual Fund | — | — | — | $82K | 0.6% | |
| Fidelity Overseas Fund Mutual Fund | — | — | — | $81K | 0.6% | |
| Fidelity Freedom Income Fund Mutual Fund | — | — | — | $72K | 0.5% | |
| Buffalo Small Cap Fund Insitutional Class Mutual Fund | — | — | — | $69K | 0.5% | |
| Notes receivable from participants 9.00%, maturing through July 2034 - | — | — | — | $56K | 0.4% | |
| Prudential Short-Term Corporate Bond Fund Mutual Fund | — | — | — | $21K | 0.1% | |
| Fidelity Freedom 2015 Fund Mutual Fund | — | — | — | $7K | <0.1% | |
| Fidelity Freedom 2010 Fund Mutual Fund | — | — | — | $5K | <0.1% |
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