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Original filing (PDF)20260313113952NAL0007789056001
TWO JS LLC
Form 5500
FILING_RECEIVED
SCHWAZZE 401(K) PLAN
401(k) retirement plan
Signals · 3
Late filing · 3.9 mo~112 bps in Sched C feesNo recordkeeper disclosed
Active participants
663
Accounts w/ balance
150
Plan assets (EOY)
$2.2M
Net assets (EOY)
$2.2M
How this plan invests
This plan
31 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
79
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
84
Concentration risk
100
Total plan cost
65
Vendor stack
80
Participation health
65
Knocking points off
- Filed 3.9 months past the 10.5-month grace window.
- 112 bps in Schedule C fees — 115% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
- Only 23% as many balances as active participants — suggests many active employees aren't deferring.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for TWO JS LLC.
Plan sponsor
Name
TWO JS LLC
DBA
SCHWAZZE
EIN
81-4156671
Address
865 ALBION ST STE 300 · DENVER, CO · 802204809
Phone
(303) 371-0387
Industry
Retail Tradesee 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
2026-03-13
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)
Audit & trust (Schedule H)
Auditor
SMITH AND HOWARD
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ABG CONSULTANT | 87-0364490 | — | INVESTMENT ADVISOR | $12K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PCS RETIREMENT LLC | 23-3038464 | — | CONTRACT ADMINISTRATOR | $13K | — |
Investments
31 direct securities· $2.2M(99% of reported assets)
Uncategorized
$2.2M
30 holdings
Mutual Funds
$5K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Schwab S&P 500 Index | — | — | — | $369K | 16.6% | |
| Vanguard Target Retirement 2040 | — | — | — | $264K | 11.9% | |
| Vanguard Target Retirement 2050 | — | — | — | $211K | 9.5% | |
| Vanguard Target Retirement 2060 | — | — | — | $196K | 8.8% | |
| Vanguard Target Retirement 2055 | — | — | — | $174K | 7.9% | |
| Vanguard Target Retirement 2045 | — | — | — | $143K | 6.4% | |
| Vanguard Target Retirement 2035 | — | — | — | $141K | 6.4% | |
| Vanguard Target Retirement 2030 | — | — | — | $112K | 5.1% | |
| Vanguard Value Index Admiral | — | — | — | $94K | 4.2% | |
| Vanguard Growth Index Admiral | — | — | — | $78K | 3.5% | |
| JPMorgan Large Cap Growth | — | — | — | $70K | 3.1% | |
| Vanguard Small Cap Value Index | — | — | — | $66K | 3.0% | |
| Fidelity Advisor International Index | — | — | — | $58K | 2.6% | |
| Vanguard Target Retirement 2065 | — | — | — | $39K | 1.8% | |
| Vanguard Small Cap Growth Index | — | — | — | $30K | 1.3% | |
| DFA Emering Marketings I | — | — | — | $21K | 1.0% | |
| Vanguard Mid-Cap Growth Index | — | — | — | $20K | 0.9% | |
| Vanguard Mid Cap Index Admiral | — | — | — | $18K | 0.8% | |
| MFS Mid Cap Growth R6 | — | — | — | $15K | 0.7% | |
| Vanguard Target Retirement 2070 | — | — | — | $15K | 0.7% | |
| Dodge & Cox Income I | — | — | — | $12K | 0.5% | |
| Vanguard Mid-Cap Value Index | — | — | — | $11K | 0.5% | |
| Vanguard Small Cap Index Admiral | — | — | — | $10K | 0.4% | |
| PIMCO Income Instl | — | — | — | $10K | 0.4% | |
| Fidelity Advisor Small Cap Growth | — | — | — | $6K | 0.3% | |
| Federated Hermes Government OBL Select | — | — | — | $6K | 0.3% | |
| DFA Inflation-Protected Securities | — | — | — | $6K | 0.3% | |
| Columbia Dividend Income Inst3 | Mutual Funds | — | — | $5K | 0.2% | |
| Allspring Special Mid Cap Value | — | — | — | $4K | 0.2% | |
| Lord Abbett Short Duration Income | — | — | — | $1K | <0.1% | |
| Undiscovered Managers Behavioral Value Fund | — | — | — | $1K | <0.1% |
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