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Original filing (PDF)20251015152105NAL0002540835001
URBAN PLATES, LLC
Form 5500
FILING_RECEIVED
URBAN PLATES 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
602
Accounts w/ balance
106
Plan assets (EOY)
$1.6M
Net assets (EOY)
$1.6M
How this plan invests
This plan
26 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
87
/ 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
75
Vendor stack
80
Participation health
65
Knocking points off
- No recordkeeper disclosed on Schedule C.
- Only 18% as many balances as active participants — suggests many active employees aren't deferring.
Helping the score
- No Schedule C compensation disclosed — likely a small plan or unbundled.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for URBAN PLATES, LLC.
Plan sponsor
Name
URBAN PLATES, LLC
EIN
83-1638158
Address
420 STEVENS AVENUE · SUITE 150 · SOLANA BEACH, CA · 92075
Phone
(760) 230-1700
Industry
Accommodation & Food 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
2025-10-15
Pension benefit codes
2A · Age/service weighted or new comparability
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3B · Covers self-employed individuals
Audit & trust (Schedule H)
Auditor
LSL, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
No Schedule C providers reportedInvestments
26 direct securities· $1.6M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2050 Investment Fund | — | — | — | $272K | 16.8% | |
| Vanguard Target Retirement 2035 Investment Fund | — | — | — | $271K | 16.7% | |
| Fidelity 500 IndexFund | — | — | — | $176K | 10.9% | |
| Vanguard Target Retirement 2030 Investment Fund | — | — | — | $163K | 10.0% | |
| Vanguard Target Retirement 2020 Investment Fund ** 44 Vanguard Target Retirement 2025 Investment Fund | — | — | — | $132K | 8.1% | |
| Vanguard Target Retirement 2045 Investment Fund | — | — | — | $116K | 7.1% | |
| Vanguard Target Retirement 2055 Investment Fund | — | — | — | $78K | 4.8% | |
| Vanguard Target Retirement 2040 Investment Fund | — | — | — | $71K | 4.4% | |
| Fidelity Total International IndexFund | — | — | — | $50K | 3.1% | |
| Notes receivable from participants Interest Rates - 5.25% - 10.50% - | — | — | — | $40K | 2.4% | |
| Vanguard Target Retirement Income Investment Fund | — | — | — | $38K | 2.3% | |
| Allspring Special Mid Cap Value Fund - Class R6 ** 14 Federated Hermes Federated Hermes Kaufmann Small Cap R6 ** 20 MFS Growth R6 Fund | — | — | — | $35K | 2.1% | |
| Vanguard Target Retirement 2060 Investment Fund | — | — | — | $29K | 1.8% | |
| Voya Retirement Insurance & Annuity Company Voya Fixed Account | — | — | — | $27K | 1.7% | |
| Fidelity US Bond IndexFund | — | — | — | $24K | 1.5% | |
| Vanguard Target Retirement 2065 Investment Fund | — | — | — | $22K | 1.3% | |
| Fidelity Small Cap Index Fund | — | — | — | $20K | 1.2% | |
| Fidelity Mid Cap Index Fund | — | — | — | $15K | 0.9% | |
| MFS International Diversification R6 Fund | — | — | — | $11K | 0.7% | |
| PGIM Total Return Bond R6 Fund | — | — | — | $10K | 0.6% | |
| Interest Identity of Issuer, Borrower, Lessor, or Similar Party Collateral, Par or Maturity Value Cost** Current Value Mutual Funds American Funds American Funds Capital Income Builder R6 Fund | — | — | — | $9K | 0.5% | |
| BlackRock Mid-Cap Growth Equity K Fund ** 877 Cohen & Steers Cohen & Steers Institutional Realty Shares | — | — | — | $5K | 0.3% | |
| American Funds American Funds New World R6 Fund | — | — | — | $4K | 0.2% | |
| PIMCO Income Fund - Institutional Class | — | — | — | $3K | 0.2% | |
| Columbia Dividend Income Fund - Institutional 3 Class | — | — | — | $2K | 0.1% | |
| JPMorgan Small Cap Value Fund - Class R6 Shares | — | — | — | $2K | 0.1% |
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