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Original filing (PDF)20251015112111NAL0004695889001
VSP VENTURES OPTOMETRIC SOLUTIONS LLC
Form 5500
FILING_RECEIVED
VSP VENTURES OPTOMETRIC SOLUTIONS 401(K) PLAN
401(k) retirement plan
Active participants
357
Accounts w/ balance
96
Plan assets (EOY)
$1.9M
Net assets (EOY)
$1.9M
How this plan invests
This plan
14 pooled trusts
Schedule D
19 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
100
Vendor stack
100
Participation health
65
Knocking points off
- Only 27% as many balances as active participants — suggests many active employees aren't deferring.
Helping the score
- Below-peer total fees (34 bps vs 52 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for VSP VENTURES OPTOMETRIC SOLUTIONS LLC.
Plan sponsor
Name
VSP VENTURES OPTOMETRIC SOLUTIONS LLC
EIN
84-2383097
Address
3333 QUALITY DRIVE · RANCHO CORDOVA, CA · 95670
Phone
(916) 851-5000
Industry
Finance & Insurancesee 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
2E · Profit-sharing
2G · Total participant-directed accounts
2J · 401(k) feature
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
CLIFTONLARSONALLEN LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $7K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SAGEVIEW ADVISORY GROUP, LLC | — | IRVINE, CA | INVESTMENT MGMT | $35 | — |
Investments
8 direct securities · 14 pooled funds· $2.1M(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.
Common Collective Trust
$972K
9 holdings
Uncategorized
$891K
8 holdings
Pooled Separate Account
$215K
5 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| BLACKROCK EQUITY INDEX 1 GREAT GRAY · EIN 20-3802168 / PN 001 | Common Collective Trust | — | — | $232K | 12.0% | |
| Empower*** Capital Group EuroPacific Growth Fund | — | — | — | $217K | 11.3% | |
| T ROWE PRICE BLUE CHIP GROWTH TRUST T. ROWE PRICE COLLECTIVE TRUSTS · EIN 80-0470272 / PN 004 | Common Collective Trust | — | — | $212K | 11.0% | |
| Fidelity International Index Fund | — | — | — | $180K | 9.3% | |
| Empower Annuity Insurance * Company of America Guaranteed Income Fund | — | — | — | $176K | 9.1% | |
| PRINCIPAL DIVERSIFIED REAL ASSET TI PRINCIPAL FINANCIAL · EIN 46-0743367 / PN 001 | Common Collective Trust | — | — | $146K | 7.6% | |
| BLACKROCK TOTAL RET CL 6 WILMINGTON TRUST, N. A · EIN 82-2941483 / PN 264 | Pooled Separate Account | — | — | $146K | 7.6% | |
| Vanguard Equity Income Fund | — | — | — | $128K | 6.7% | |
| BLACKROCK U.S. DEBT INDEX 1 GREAT GRAY · EIN 20-3802445 / PN 010 | Common Collective Trust | — | — | $90K | 4.7% | |
| BLACKROCK TOTAL RETURN BOND CL 6 GREAT GRAY · EIN 82-2941483 / PN 264 | Common Collective Trust | — | — | $87K | 4.5% | |
| MassMutual Mid Cap Growth Fund | — | — | — | $71K | 3.7% | |
| DAY ONE INCOMEFLEX TARGET BALANCED EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 697 | Pooled Separate Account | — | — | $68K | 3.5% | |
| American Funds American Balanced Fund | — | — | — | $65K | 3.4% | |
| BLACKROCK MID CAP EQUITY INDEX FUND GREAT GRAY · EIN 20-3802327 / PN 003 | Common Collective Trust | — | — | $63K | 3.3% | |
| BLACKROCK RUSSELL 2000 INDEX FUND R GREAT GRAY · EIN 20-3802587 / PN 004 | Common Collective Trust | — | — | $61K | 3.1% | |
| Victory Sycamore Established Value Fund | — | — | — | $47K | 2.4% | |
| PIMCO RAE US SMALL CIT CL S GREAT GRAY · EIN 88-2858456 / PN 798 | Common Collective Trust | — | — | $41K | 2.1% | |
| PUTNAM SMALL CAP GROWTH TRUST - CLA GREAT GRAY · EIN 86-1846156 / PN 677 | Common Collective Trust | — | — | $40K | 2.1% | |
| Participants Participant Loans Rates from 9.00% to 9.50% - | — | — | — | $8K | 0.4% | |
| SA/INVESCO GLOBAL STRATEGY FUND EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 308 | Pooled Separate Account | — | — | $2K | <0.1% | |
| SMALL CAP GROWTH / TIMESSQUARE FUND EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 132 | Pooled Separate Account | — | — | $0 | <0.1% | |
| SMALL CAP VALUE / KENNEDY CAPITAL F EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 257 | Pooled Separate Account | — | — | $0 | <0.1% |