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Original filing (PDF)20250807132058NAL0003732547001
INTERCAP LENDING, INC.
Form 5500
FILING_RECEIVED
INTERCAP LENDING 401(K) RETIREMENT PLAN
401(k) retirement plan
Active participants
314
Accounts w/ balance
438
Plan assets (EOY)
$19.1M
Net assets (EOY)
$19.1M
How this plan invests
This plan
37 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
100
Knocking points off
- 48 bps in Schedule C fees — 65% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for INTERCAP LENDING, INC..
Plan sponsor
Name
INTERCAP LENDING, INC.
EIN
85-0260899
Address
11781 S. LONE PEAK PKWY #200 · DRAPER, UT · 84020
Phone
(385) 800-8321
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-08-07
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
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
JONES SIMKINS LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| JOHN HANCOCK TRUST COMPANY, LLC | 01-0233346 | — | RECORDKEEPER | $38K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EDWARD D. JONES & CO., L.P. | 43-0345811 | — | INVESTMENT MANAGEMENT | $43K | — |
| WILSHIRE ASSOCIATES INC. | 95-2755361 | — | INVESTMENT MANAGEMENT | $3K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| UNITED 401(K) PLANS, INC. | 20-5321813 | — | THIRD PARTY ADMIN | $8K | — |
Investments
37 direct securities· $19.1M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fid Freedom Idx 2035 Inst Prem Fidelity 0 | — | — | — | $3.3M | 17.4% | |
| Fid Freedom Idx 2045 Inst Prem Fidelity 0 | — | — | — | $3.0M | 15.6% | |
| Fid Freedom Idx 2040 Inst Prem Fidelity 0 | — | — | — | $2.3M | 12.1% | |
| Fid Freedom Idx 2030 Inst Prem Fidelity 0 | — | — | — | $2.3M | 12.0% | |
| Fid Freedom Idx 2050 Inst Prem Fidelity 0 | — | — | — | $2.2M | 11.8% | |
| Fid Freedom Idx 2055 Inst Prem Fidelity 0 | — | — | — | $1.8M | 9.4% | |
| Loan Fund Loans 0 | — | — | — | $690K | 3.6% | |
| Fid Freedom Idx 2060 Inst Prem Fidelity 0 | — | — | — | $542K | 2.8% | |
| JH Stable Value Guaranteed Inc JHancock 0 | — | — | — | $481K | 2.5% | |
| Fidelity 500 Index Fd Fidelity 0 | — | — | — | $438K | 2.3% | |
| Fid Freedom Idx 2025 Inst Prem Fidelity 0 | — | — | — | $327K | 1.7% | |
| Fid Freedom Idx 2020 Inst Prem Fidelity 0 | — | — | — | $229K | 1.2% | |
| Fid Freedom Idx 2065 Inst Prem Fidelity 0 | — | — | — | $217K | 1.1% | |
| T Rowe Price Growth Stock (I) T Rowe Price 0 | — | — | — | $193K | 1.0% | |
| American New World Fund R6 American 0 | — | — | — | $107K | 0.6% | |
| JP Morgan Equity Income R6 JPMorgan 0 | — | — | — | $103K | 0.5% | |
| JHancock MMgr Lifestyle Agg R6 JHancock 0 | — | — | — | $92K | 0.5% | |
| JP Morgan Mid Cap Growth R6 JPMorgan 0 | — | — | — | $90K | 0.5% | |
| BlackRock High Yield Prt K BlackRock 0 | — | — | — | $74K | 0.4% | |
| American New Perspective R6 American 0 | — | — | — | $68K | 0.4% | |
| AB Global Bond Fd Z AB Global 0 282 Amer Beacon Intl Equity R6 American 0 | — | — | — | $63K | 0.3% | |
| Vanguard LifeStrat Growth Inv Vanguard 0 | — | — | — | $60K | 0.3% | |
| DFA US Targeted Value Prt I DFA US 0 | — | — | — | $55K | 0.3% | |
| Principal Real Estate Secs R6 Principal 0 | — | — | — | $42K | 0.2% | |
| PIMCO Income Fund Inst PIMCO 0 | — | — | — | $40K | 0.2% | |
| Fidelity Ext Market Index Fd Fidelity 0 | — | — | — | $38K | 0.2% | |
| Fidelity Inf-Pr Bond Index Fd Fidelity 0 | — | — | — | $32K | 0.2% | |
| DFA Intl Sm Company Prt Cl I DFA US 0 | — | — | — | $24K | 0.1% | |
| Vanguard Explorer Fund Adm Vanguard 0 | — | — | — | $21K | 0.1% | |
| Fidelity Glb ex US Idx Ins Pre Fidelity 0 | — | — | — | $20K | 0.1% | |
| PGIM Total Return Bond R6 PGIM 0 | — | — | — | $20K | 0.1% | |
| American EuroPacific Growth R6 American 0 | — | — | — | $20K | 0.1% | |
| JHancock MMgr Lifestyle Bal R6 JHancock 0 | — | — | — | $16K | <0.1% | |
| JPMorgan US Govt MMkt Cap Cl JPMorgan 0 | — | — | — | $16K | <0.1% | |
| Diamond Hill Mid Cap Y Diamond Hill 0 | — | — | — | $16K | <0.1% | |
| Vanguard LifeStrat Mod Grw I Vanguard 0 | — | — | — | $2K | <0.1% | |
| JHancock MMgr Lifestyle Grw R6 JHancock 0 | — | — | — | $2K | <0.1% |