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Original filing (PDF)20251009171034NAL0003776963001
SPOTON TECHNOLOGIES, INC.
Form 5500
FILING_RECEIVED
SPOTON TRANSACT 401(K) PLAN
401(k) retirement plan
Active participants
1,117
Accounts w/ balance
2,398
Plan assets (EOY)
$37.3M
Net assets (EOY)
$37.3M
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)
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
- 45 bps in Schedule C fees — 54% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SPOTON TECHNOLOGIES, INC..
Plan sponsor
Name
SPOTON TECHNOLOGIES, INC.
EIN
81-4929872
Address
100 CALIFORNIA STREET, 9TH FLOOR · SAN FRANCISCO, CA · 94111
Phone
(248) 965-8088
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
2025-10-09
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)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
BAKER TILLY US, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $167K | — |
Investments
30 direct securities· $32.0M(86% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Total Market Index Fund Mutual Fund | — | — | — | $8.4M | 22.6% | |
| Fidelity International Index Fund Mutual Fund | — | — | — | $4.5M | 12.1% | |
| American Funds 2050 Target Date Retirement Fund R6 Mutual Fund | — | — | — | $2.9M | 7.7% | |
| American Funds 2045 Target Date Retirement Fund R6 Mutual Fund | — | — | — | $2.4M | 6.4% | |
| Fidelity 500 Index Fund Mutual Fund | — | — | — | $1.8M | 4.8% | |
| Vanguard Growth Index Fund Admiral Shares Mutual Fund | — | — | — | $1.7M | 4.4% | |
| American Funds 2060 Target Date Retirement Fund R6 Mutual Fund | — | — | — | $1.5M | 4.0% | |
| DFA Investment Grade Portfolio Institutional Class Shares Mutual Fund | — | — | — | $1.4M | 3.8% | |
| Cohen & Steers Institutional Realty Shares Mutual Fund | — | — | — | $1.2M | 3.2% | |
| American Funds 2040 Target Date Retirement Fund R6 Mutual Fund | — | — | — | $1.1M | 3.0% | |
| American Funds 2035 Target Date Retirement Fund R6 Mutual Fund | — | — | — | $699K | 1.9% | |
| Vanguard Total International Bond Index Fund Admiral Shares Mutual Fund | — | — | — | $653K | 1.8% | |
| American Funds 2030 Target Date Retirement Fund R6 Mutual Fund | — | — | — | $567K | 1.5% | |
| Gabelli US Treasury Money Market Fund Mutual Fund | — | — | — | $532K | 1.4% | |
| American Funds 2065 Target Date Retirement Fund R6 Mutual Fund | — | — | — | $440K | 1.2% | |
| maturities through December 2029 - | — | — | — | $392K | 1.1% | |
| American Funds 2025 Target Date Retirement Fund R6 Mutual Fund | — | — | — | $339K | 0.9% | |
| Fidelity Mid Cap Index Fund Mutual Fund | — | — | — | $247K | 0.7% | |
| American Century Small Cap Growth Fund R6 Mutual Fund | — | — | — | $230K | 0.6% | |
| Columbia Dividend Income Fund Institutional 3 Class Mutual Fund | — | — | — | $179K | 0.5% | |
| Fidelity Small Cap Index Fund Mutual Fund | — | — | — | $178K | 0.5% | |
| MFS Mid Cap Value Fund Class R6 Mutual Fund | — | — | — | $163K | 0.4% | |
| BlackRock Mid-Cap Growth Equity Portfolio Class K Mutual Fund | — | — | — | $155K | 0.4% | |
| Vanguard FTSE Social Index Fund Admiral Mutual Fund | — | — | — | $154K | 0.4% | |
| American Funds Inflation Linked Bond Fund Class R6 Mutual Fund | — | — | — | $93K | 0.2% | |
| American Century Small Cap Value Fund R6 Mutual Fund | — | — | — | $58K | 0.2% | |
| American Funds New World Fund R6 Mutual Fund | — | — | — | $39K | 0.1% | |
| JPMorgan International Equity Fund Class R6 Mutual Fund | — | — | — | $37K | <0.1% | |
| PGIM High Yield Fund R6 Mutual Fund | — | — | — | $17K | <0.1% | |
| American Funds 2010 Target Date Retirement Fund R6 Mutual Fund ** 557 American Funds 2015 Target Date Retirement Fund R6 Mutual Fund ** 616 American Funds 2020 Target Date Retirement Fund R6 Mutual Fund | — | — | — | $14K | <0.1% |