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Original filing (PDF)20251002175515NAL0000780833001
CAPITAL PREMIUM FINANCING, LLC
Form 5500
FILING_RECEIVED
RETIREMENT INCOME SECURITY PLAN-CAPITAL PREMIUM FINANCING, LLC
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
161
Accounts w/ balance
172
Plan assets (EOY)
$9.2M
Net assets (EOY)
$9.2M
How this plan invests
This plan
1 pooled trust
Schedule D
29 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
- 70 bps in Schedule C fees — modestly above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CAPITAL PREMIUM FINANCING, LLC.
Plan sponsor
Name
CAPITAL PREMIUM FINANCING, LLC
EIN
82-0423224
Address
12235 SOUTH 800 EAST · DRAPER, UT · 84020
Phone
(801) 208-5295
Industry
Finance & Insurancesee all
Plan administrator
Name
HEALTHEQUITY RETIREMENT SERVICES
EIN
82-1222973
City
DRAPER, UT
Phone
(877) 860-2664
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-02
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)
Audit & trust (Schedule H)
Auditor
BAS PARTNERS
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsOther
4| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EP WEALTH ADVISORS, INC. | 33-0152539 | — | NONE | $34K | — |
| HEALTHEQUITY RETIREMENT SERVICES, L | 82-1222973 | — | NONE | $20K | — |
| AMERITAS LIFE INSURANCE CORP | 47-0098400 | — | NONE | $9K | — |
| MATRIX TRUST COMPANY | 75-3182674 | — | NONE | $2K | — |
Investments
29 direct securities · 1 pooled fund· $17.2M(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.
103-12 Investment Entity
$9.1M
1 holding
Uncategorized
$8.1M
29 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| RETIREMENT INCOME SECURITY PLAN HEALTHEQUITY RETIREMENT SERVICES LLC · EIN 82-1222973 / PN 333 | 103-12 Investment Entity | — | — | $9.1M | 98.1% | |
| Vanguard Target Retirement 2035 Fund | — | — | — | $1.8M | 19.0% | |
| Vanguard Target Retirement 2050 Fund | — | — | — | $1.4M | 15.4% | |
| Vanguard Target Retirement 2025 Fund | — | — | — | $906K | 9.8% | |
| Vanguard Target Retirement 2045 Fund | — | — | — | $714K | 7.7% | |
| Vanguard Target Retirement 2020 Fund | — | — | — | $588K | 6.4% | |
| Vanguard Target Retirement 2030 Fund | — | — | — | $444K | 4.8% | |
| Vanguard Target Retirement 2055 Fund | — | — | — | $386K | 4.2% | |
| Vanguard Target Retirement 2060 Fund | — | — | — | $354K | 3.8% | |
| Vanguard Short-Term Bond Index (Adm) ** 46 Vanguard Short-Trm Corporate Bnd Idx Adm | — | — | — | $234K | 2.5% | |
| Vanguard Target Retirement 2065 Fund | — | — | — | $232K | 2.5% | |
| Vanguard Inflation Protected Sec (Adm) ** 913 Vanguard Large Cap Index Fund (Adm) | — | — | — | $202K | 2.2% | |
| Participants Loans | — | — | — | $168K | 1.8% | |
| Vanguard GNMA Fund (Adm) ** 782 Vanguard Growth Index Fund (Adm) | — | — | — | $147K | 1.6% | |
| Vanguard LifeStrategy Moderate Gr Inv | — | — | — | $109K | 1.2% | |
| Vanguard LifeStrat Consrv Growth (Inv) ** 23 Vanguard LifeStrategy Growth Fund (Inv) | — | — | — | $108K | 1.2% | |
| Vanguard Total Bond Market Index (Adm) | — | — | — | $51K | 0.5% | |
| Harding Loevner Harding Loevner Intl Equity Port (Inv) | — | — | — | $49K | 0.5% | |
| Vanguard Small Cap Index Admiral Shares | — | — | — | $46K | 0.5% | |
| Eaton Vance Eaton Vance High Income Opp (I) | — | — | — | $40K | 0.4% | |
| Vanguard Total Intl Stock Index (Adm) | — | — | — | $40K | 0.4% | |
| T Rowe Price T. Rowe Price Mid-Cap Growth Fund (I) | — | — | — | $38K | 0.4% | |
| DWS RREEF Real Assets Fund (I) | — | — | — | $25K | 0.3% | |
| Vanguard Mid-Cap Index Fund (Adm) | — | — | — | $18K | 0.2% | |
| Wasatch Core Growth | — | — | — | $18K | 0.2% | |
| GQG Partners GQG Partners Emerging Markets Equity (I) | — | — | — | $13K | 0.1% | |
| JP Morgan JPMorgan Income Fund (R6) ** 692 T Rowe Price T. Rowe Price Large Cap Value Fund (I) | — | — | — | $13K | 0.1% | |
| American Century American Century Diversified Bond (R6) ** 688 Causeway International Value Fund (Inv) ** 89 DFA US Targeted Value Portfolio (I) | — | — | — | $12K | 0.1% | |
| Matrix Trust Non interest bearing cash | — | — | — | $8K | <0.1% | |
| Harbor Mid Cap Value Fund (Ret) | — | — | — | $1K | <0.1% |