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Original filing (PDF)20251023130649NAL0002238803001
U.S. CAD
Form 5500
FILING_RECEIVED
U.S. CAD 401(K) PLAN
401(k) retirement plan
Active participants
147
Accounts w/ balance
175
Plan assets (EOY)
$9.8M
Net assets (EOY)
$9.8M
How this plan invests
This plan
29 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
95
/ 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
100
Participation health
100
Knocking points off
- 65 bps in Schedule C fees — modestly above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for U.S. CAD.
Plan sponsor
Name
U.S. CAD
EIN
82-1676628
Address
18831 BARDEEN AVE #200 · IRVINE, CA · 92612
Phone
(877) 648-7223
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
2025-10-23
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)
3B · Covers self-employed individuals
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
CLIFTONLARSONALLEN LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $26K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ONEDIGITAL INVESTMENT ADVISORS LLC | — | DALLAS, TX | INVESTMENT ADVISOR | $28K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $10K | — |
Investments
29 direct securities· $9.7M(99% of reported assets)
Uncategorized
$9.6M
28 holdings
Guaranteed Income / GIC
$196K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Similar Party Collateral, Par, or Maturity Value Cost** Value Mutual Funds American Funds American Funds American Balanced R6 | — | — | — | $1.9M | 19.7% | |
| Fidelity 500 Index | — | — | — | $1.1M | 11.5% | |
| Harbor Capital Harbor Capital Appreciation Retirement | — | — | — | $838K | 8.5% | |
| TIAA Investments Nuveen Lifecycle Index 2055 R6 | — | — | — | $516K | 5.2% | |
| TIAA Investments Nuveen Lifecycle Index 2050 R6 | — | — | — | $512K | 5.2% | |
| American Funds American Funds New Perspective R6 | — | — | — | $501K | 5.1% | |
| Pimco Nuveen Lifecycle Index 2025 R6 | — | — | — | $495K | 5.0% | |
| TIAA Investments Nuveen Lifecycle Index 2045 R6 | — | — | — | $379K | 3.9% | |
| Putnam Nuveen Lifecycle Index 2035 R6 | — | — | — | $349K | 3.6% | |
| TIAA Investments Nuveen Lifecycle Index 2040 R6 | — | — | — | $283K | 2.9% | |
| TIAA Investments Nuveen Lifecycle Index Retirement Inc R6 | — | — | — | $251K | 2.5% | |
| Great‐West Life & Annuity * Insurance Company Fidelity US Bond Index | — | — | — | $232K | 2.4% | |
| MFS Intl Diversification R6 | — | — | — | $220K | 2.2% | |
| TIAA Investments Pioneer Bond Y | — | — | — | $218K | 2.2% | |
| Fidelity Empower T. Rowe Price Mid Cap Gr Inst | — | — | — | $208K | 2.1% | |
| Fidelity Small Cap Index | — | — | — | $201K | 2.0% | |
| Participants Participant Loans Rates from 4.25% to 9.50% | — | — | — | $200K | 2.0% | |
| Great‐West Life & Annuity * Insurance Company Key Guaranteed Portfolio Fund*** | Guaranteed Income / GIC | — | — | $196K | 2.0% | |
| TIAA Investments Nuveen Lifecycle Index 2060 R6 | — | — | — | $189K | 1.9% | |
| Fidelity Mid Cap Index | — | — | — | $178K | 1.8% | |
| Victory Sycamore Victory Sycamore Established Value I | — | — | — | $171K | 1.7% | |
| American Funds American Funds EuroPacific Gr R6 | — | — | — | $138K | 1.4% | |
| TIAA Investments Putnam Large Cap Value R6 | — | — | — | $133K | 1.3% | |
| Transamerica International Equity R6 | — | — | — | $84K | 0.8% | |
| Cohen & Steers Cohen & Steers Real Estate Securities Z | — | — | — | $75K | 0.8% | |
| TIAA Investments PIMCO Income Instl | — | — | — | $37K | 0.4% | |
| Pioneer Nuveen Lifecycle Index 2030 R6 | — | — | — | $30K | 0.3% | |
| Victory Sycamore Victory Sycamore Small Co Opportunity I | — | — | — | $30K | 0.3% | |
| Clearbridge Small Cap Growth IS | — | — | — | $11K | 0.1% |
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