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Original filing (PDF)20251014151025NAL0001561299001
ADPD HOLDINGS LLC D/B/A NEARU
Form 5500
FILING_RECEIVED
NEARU 401(K) PLAN
401(k) retirement plan
Signals · 1
~79 bps in Sched C fees
Active participants
1,641
Accounts w/ balance
795
Plan assets (EOY)
$25.8M
Net assets (EOY)
$25.8M
How this plan invests
This plan
2 pooled trusts
Schedule D
31 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
86
/ 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
65
Knocking points off
- 79 bps in Schedule C fees — 174% above peer band of 29 bps.
- Only 48% as many balances as active participants — suggests many active employees aren't deferring.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for ADPD HOLDINGS LLC D/B/A NEARU.
Plan sponsor
Name
ADPD HOLDINGS LLC D/B/A NEARU
EIN
83-4582451
Address
2550 W. TYVOLA ROAD SUITE 300 · CHARLOTTE, NC · 28217
Phone
(980) 217-7180
Industry
Management of Companies / Holdingssee 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
2025-10-14
Pension benefit codes
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)
3B · Covers self-employed individuals
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
BDO USA, P.C
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $110K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| KESTRA ADVISORY SERVICES LLC | — | AUSTIN, TX | INVESTMENT ADVISOR | $53K | — |
| WEALTH ENHANCEMENT ADVISORY SERVICE | — | MINNEAPOLIS, MN | INVESTMENT ADVISOR | $11K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $31K | — |
Investments
30 direct securities · 2 pooled funds· $25.8M(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.
Uncategorized
$23.8M
28 holdings
Guaranteed Income / GIC
$1.1M
1 holding
Pooled Separate Account
$826K
2 holdings
Mutual Funds
$184K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds 2040 Target Date Retire R6 | — | — | — | $2.7M | 10.3% | |
| Fidelity 500 Index | — | — | — | $2.5M | 9.5% | |
| American Funds 2045 Target Date Retire R6 | — | — | — | $2.3M | 9.0% | |
| American Funds 2035 Target Date Retire R6 | — | — | — | $2.3M | 8.8% | |
| American Funds 2050 Target Date Retire R6 | — | — | — | $1.9M | 7.3% | |
| American Funds 2055 Target Date Retire R6 | — | — | — | $1.4M | 5.3% | |
| American Funds 2030 Target Date Retire R6 | — | — | — | $1.3M | 5.0% | |
| American Funds New World R6 | — | — | — | $1.1M | 4.2% | |
| * Empower Fixed Account – Series Class 1 | Guaranteed Income / GIC | — | — | $1.1M | 4.1% | |
| JP Morgan Us Equity R6 | — | — | — | $979K | 3.8% | |
| American Funds 2060 Target Date Retire R6 | — | — | — | $952K | 3.7% | |
| iShares MSCI EAFE International Index K | — | — | — | $919K | 3.6% | |
| American Funds 2065 Target Date Retire R6 | — | — | — | $872K | 3.4% | |
| LARGE CAP GROWTH / JPMORGAN INVST EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 141 | Pooled Separate Account | — | — | $826K | 3.2% | |
| Participant Loans 3.25% to 8.50% - | — | — | — | $667K | 2.6% | |
| American Funds 2025 Target Date Retire R6 | — | — | — | $575K | 2.2% | |
| Fidelity Mid Cap Index | — | — | — | $544K | 2.1% | |
| JP Morgan Equity Income R6 | — | — | — | $487K | 1.9% | |
| iShares Russell 2000 Small-Cap Index K | — | — | — | $468K | 1.8% | |
| American Funds Bond Fund of America R5E | — | — | — | $439K | 1.7% | |
| MFS Mid Cap Growth R6 | — | — | — | $421K | 1.6% | |
| American Funds New Perspective R6 | — | — | — | $415K | 1.6% | |
| Fidelity Real Estate Index | — | — | — | $282K | 1.1% | |
| Allspring Special Mid Cap Value R6 | Mutual Funds | — | — | $184K | 0.7% | |
| Empower International Value Institutional | — | — | — | $174K | 0.7% | |
| Franklin Small Cap Value R6 | — | — | — | $130K | 0.5% | |
| JP Morgan Small Cap Growth R6 | — | — | — | $54K | 0.2% | |
| American Funds 2020 Target Date Retire R6 | — | — | — | $31K | 0.1% | |
| American Funds 2015 Target Date Retire R6 | — | — | — | $27K | 0.1% | |
| PIMCO Global Bond Opps (USD-Hedged) Inst | — | — | — | $23K | <0.1% | |
| American Funds 2010 Target Date Retire R6 | — | — | — | $16K | <0.1% | |
| LARGE CAP GROWTH / JP MORGAN EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 141 | Pooled Separate Account | — | — | $0 | <0.1% |