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Original filing (PDF)20260109150340NAL0003946403001
OPERA SOLUTIONS OPCO, LLC
Form 5500
FILING_RECEIVED
ELECTRIFAI LLC 401(K) PLAN
401(k) retirement plan
Signals · 2
Late filing · 37.8 mo29% in single holding
Active participants
47
Accounts w/ balance
143
Plan assets (EOY)
$7.7M
Net assets (EOY)
$7.7M
How this plan invests
This plan
39 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
90
/ 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
75
Concentration risk
85
Total plan cost
100
Vendor stack
100
Participation health
100
Knocking points off
- Filed 37.8 months past the 10.5-month grace window.
- Top holding "MFS Growth Allocation Fund R4 Shares "" is 29% of plan.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for OPERA SOLUTIONS OPCO, LLC.
Plan sponsor
Name
OPERA SOLUTIONS OPCO, LLC
EIN
83-2145136
Address
10 EXCHANGE PLACE, 11TH FLOOR · JERSEY CITY, NJ · 07302
Phone
(646) 520-4452
Industry
Professional & Technical Servicessee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2021-01-01
Tax period
2021-12-31
Filed
2026-01-09
Pension benefit codes
2A · Age/service weighted or new comparability
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
3D · Pre-approved plan (master / prototype / VS)
2E · Profit-sharing
Audit & trust (Schedule H)
Auditor
CARON & BLETZER, PLLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| AMERITAS LIFE INSURANCE CORP | 47-0098400 | — | RECORDKEEPER | $4K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| COMMONWEALTH | 04-2675571 | — | INVESTMENT ADVISOR | $26K | — |
Investments
39 direct securities· $7.7M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| MFS Growth Allocation Fund R4 Shares " | — | — | — | $2.3M | 29.2% | |
| MFS Moderate Allocation Fund R4 Shares " | — | — | — | $1.1M | 14.8% | |
| Vanguard 500 Index Admiral Shares " | — | — | — | $1.1M | 14.6% | |
| Vanguard Target Retirement 2045 Fund Investor Shares " | — | — | — | $417K | 5.4% | |
| MFS Aggressive Growth Allocation Fund R4 Shares " | — | — | — | $386K | 5.0% | |
| T. Rowe Price Blue Chip Growth Fund " | — | — | — | $218K | 2.8% | |
| Vanguard Target Retirement 2035 Fund Investor Shares " | — | — | — | $146K | 1.9% | |
| Key Guaranteed Portfolio Fund " | — | — | — | $135K | 1.8% | |
| MFS Conservative Allocation Fund R4 Shares " | — | — | — | $124K | 1.6% | |
| Stable Fixed Investment Account Guaranteed account | — | — | — | $123K | 1.6% | |
| Vanguard Federal Money Market Fund Investor Shares " | — | — | — | $116K | 1.5% | |
| Vanguard Mid-Cap Index Fund Admiral Shares " | — | — | — | $105K | 1.4% | |
| Vanguard Target Retirement 2040 Fund Investor Shares " | — | — | — | $103K | 1.3% | |
| Vanguard Financials Index Fund Admiral Shares " | — | — | — | $102K | 1.3% | |
| Vanguard International Value Fund Investor Shares " | — | — | — | $99K | 1.3% | |
| Janus Henderson Global Technology and Innovation Fund " | — | — | — | $99K | 1.3% | |
| MFS Mid Cap Growth R6 Shares " | — | — | — | $94K | 1.2% | |
| Vanguard Target Retirement 2055 Fund Investor Shares " | — | — | — | $83K | 1.1% | |
| MFS Mid Cap Value Fud R6 Shares " | — | — | — | $83K | 1.1% | |
| Delaware Small Cap Value Fund R6 Shares " | — | — | — | $77K | 1.0% | |
| Vanguard Equity Income Admiral Shares " | — | — | — | $67K | 0.9% | |
| The Hartford International Opportunities Fund R6 Shares " | — | — | — | $66K | 0.9% | |
| Vanguard Target Retirement 2025 Fund Investor Shares " | — | — | — | $64K | 0.8% | |
| PGIM Total Return Bond Fund R6 Shares " | — | — | — | $62K | 0.8% | |
| Vanguard Total Bond Market Index Fund Admiral Shares " | — | — | — | $57K | 0.7% | |
| Vanguard Small Cap Index Admiral Shares " | — | — | — | $55K | 0.7% | |
| Vanguard Target Retirement 2030 Fund Investor Shares " | — | — | — | $55K | 0.7% | |
| Lord Abbett Short Duration Income Fund R6 Shares " | — | — | — | $38K | 0.5% | |
| Vanguard Target Retirement 2020 Fund Investor Shares " | — | — | — | $30K | 0.4% | |
| Loomis Sayles Global Bond Fund Institutional Class " | — | — | — | $28K | 0.4% | |
| Vanguard Target Retirement 2050 Fund Investor Shares " | — | — | — | $27K | 0.4% | |
| American Funds New World Fund R6 Shares " | — | — | — | $26K | 0.3% | |
| Participant Loans (4.25% - 6.25%) - | — | — | — | $24K | 0.3% | |
| Vanguard Target Retirement 2065 Fund Investor Shares " | — | — | — | $21K | 0.3% | |
| Lord Abbett High Yield Fund R6 Shares " | — | — | — | $19K | 0.2% | |
| Vanguard Total International Stock Index Admiral Shares " | — | — | — | $16K | 0.2% | |
| Vanguard Target Retirement Income Fund Investor Shares Mutual fund | — | — | — | $14K | 0.2% | |
| Clearbridge Small Cap Growth Fund " | — | — | — | $5K | <0.1% | |
| Janus Henderson Balanced Fund Class I Shares " | — | — | — | $4K | <0.1% |
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