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Original filing (PDF)20251105125120NAL0008305809001
SPRING OAKS CAPITAL
Form 5500
FILING_RECEIVED
SPRING OAKS CAPITAL 401(K) PLAN
401(k) retirement plan
Signals · 2
~156 bps in Sched C feesNo recordkeeper disclosed
Active participants
290
Accounts w/ balance
293
Plan assets (EOY)
$4.1M
Net assets (EOY)
$4.1M
How this plan invests
This plan
16 pooled trusts
Schedule D
33 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
80
Participation health
100
Knocking points off
- 156 bps in Schedule C fees — 200% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SPRING OAKS CAPITAL.
Plan sponsor
Name
SPRING OAKS CAPITAL
EIN
84-2869830
Address
1400 CROSSWAYS BLVD STE 100B · CHESAPEAKE, VA · 233200207
Phone
(704) 942-7275
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
2025-11-05
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
KREISCHER MILLER
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WILSHIRE ADVISORS LLC | 95-2755361 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $64K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NORTHWESTERN MUTUAL INVESTMENT SERV | 52-2114207 | — | OTHER SERVICES | $0 | — |
Investments
18 direct securities · 16 pooled funds· $4.1M(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
$3.5M
13 holdings
Uncategorized
$389K
18 holdings
Pooled Separate Account
$228K
3 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| PRIN LIFETIME HYBR 2055 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 010 | Common Collective Trust | — | — | $915K | 22.4% | |
| PRIN LIFETIME HYBR 2035 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 006 | Common Collective Trust | — | — | $597K | 14.6% | |
| PRIN LIFETIME HYBR 2040 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 007 | Common Collective Trust | — | — | $570K | 13.9% | |
| PRIN LIFETIME HYBR 2060 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 012 | Common Collective Trust | — | — | $430K | 10.5% | |
| PRIN LIFETIME HYBR 2050 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 009 | Common Collective Trust | — | — | $300K | 7.3% | |
| PRIN LIFETIME HYBR 2030 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 005 | Common Collective Trust | — | — | $295K | 7.2% | |
| PRIN LGCP S&P 500 INDEX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 016 | Pooled Separate Account | — | — | $205K | 5.0% | |
| PRIN LIFETIME HYBR 2045 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 008 | Common Collective Trust | — | — | $157K | 3.8% | |
| maturing through November 2029 | — | — | — | $139K | 3.4% | |
| PRIN LIFETIME HYBR 2065 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 013 | Common Collective Trust | — | — | $96K | 2.3% | |
| PRIN LIFETIME HYBR 2025 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 004 | Common Collective Trust | — | — | $85K | 2.1% | |
| AllianceBernstein AB Large Cap Growth Fund Inc | — | — | — | $62K | 1.5% | |
| BlackRock Advisors BlackRock Mid-Cap Growth Equity Portfolio | — | — | — | $30K | 0.7% | |
| PIMCO Funds PIMCO RAE PLUS Small Fund | — | — | — | $27K | 0.7% | |
| The American Funds New Perspective Fund | — | — | — | $26K | 0.6% | |
| PRIN LIFETIME HYBR 2020 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 003 | Common Collective Trust | — | — | $24K | 0.6% | |
| Principal Life Insurance Company Fixed Income Guaranteed Option | — | — | — | $20K | 0.5% | |
| JPMorgan Large Cap Value Fund | — | — | — | $15K | 0.4% | |
| The American Funds American Century Small Cap Growth Fund | — | — | — | $14K | 0.3% | |
| PIMCO Funds PIMCO Commodities PLUS Strategy Fund | — | — | — | $14K | 0.3% | |
| PRIN MIDCAP S&P 400 IDX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 023 | Pooled Separate Account | — | — | $12K | 0.3% | |
| PRIN SMCAP S&P 600 INDEX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 028 | Pooled Separate Account | — | — | $11K | 0.3% | |
| Eaton Vance Eaton Vance Income Fund of Boston | — | — | — | $8K | 0.2% | |
| Principal Global Investors Trust Co. Principal Lifetime Hybrid Income | — | — | — | $7K | 0.2% | |
| PRIN LIFETIME HYBR INC CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 011 | Common Collective Trust | — | — | $7K | 0.2% | |
| Fidelity Investments Fidelity Total Intonational Index Fund | — | — | — | $6K | 0.2% | |
| PRIN LIFETIME HYBR 2015 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 002 | Common Collective Trust | — | — | $5K | 0.1% | |
| BlackRock Advisors BlackRock Emerging Markets Fund Inc | — | — | — | $5K | 0.1% | |
| Dimensional Fund Advisors DFA US Vector Equity Portfolio | — | — | — | $5K | 0.1% | |
| PIMCO Funds PIMCO Income Fund | — | — | — | $3K | <0.1% | |
| MFS Investment Management MFS International Growth Fund | — | — | — | $3K | <0.1% | |
| PRIN LIFETIME HYB 2070 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 014 | Common Collective Trust | — | — | $3K | <0.1% | |
| (E) | — | — | — | $3K | <0.1% | |
| Cohen & Steers Capital Management Cohen & Steers Real Estate Securities Fund | — | — | — | $1K | <0.1% |
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