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Original filing (PDF)20251009161654NAL0016612466001
TM PAY, INC.
Form 5500
FILING_RECEIVED
TM PAY, INC. 401(K) PLAN
401(k) retirement plan
Active participants
416
Accounts w/ balance
372
Plan assets (EOY)
$24.7M
Net assets (EOY)
$24.7M
How this plan invests
This plan
43 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
80
Vendor stack
100
Participation health
100
Knocking points off
- 37 bps in Schedule C fees — modestly above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for TM PAY, INC..
Plan sponsor
Name
TM PAY, INC.
EIN
85-3949163
Address
2310 S. REDWOOD AVENUE · INDEPENDENCE, MO · 64057
Phone
(816) 861-5444
Industry
Transportation & Warehousingsee 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
2025-10-09
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2A · Age/service weighted or new comparability
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
PICKETT, CHANEY & MCMULLEN LP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsCustodian
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MATRIX TRUST COMPANY | 75-3182674 | DENVER, CO | CUSTODIAN | $136 | — |
Recordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NORTH AMERICAN KTRADE ALLIANCE, LLC | 32-0169227 | PLYMOUTH, IN | RECORDKEEPER | $44K | — |
Broker
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MODERN WEALTH HOLDINGS | 92-1037746 | MONTEREY, CA | BROKER | $34K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| DEMARS PENSION CONSULTING | 48-0890241 | — | TPA | $13K | — |
Investments
43 direct securities· $24.7M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds Target Date 2030 Mutual funds | — | — | — | $4.5M | 18.3% | |
| American Funds Target Date 2025 Mutual funds | — | — | — | $1.9M | 7.7% | |
| American Funds Target Date 2045 Mutual funds | — | — | — | $1.8M | 7.2% | |
| American Funds Target Date 2035 Mutual funds | — | — | — | $1.6M | 6.4% | |
| American Funds Target Date 2060 Mutual funds | — | — | — | $1.5M | 6.1% | |
| American Funds Target Date 2040 Mutual funds | — | — | — | $1.5M | 6.0% | |
| iShares USTechnology Exchange traded funds | — | — | — | $1.3M | 5.4% | |
| Vangaurd Total Stock Market Exchange traded funds | — | — | — | $1.1M | 4.3% | |
| American Funds Target Date 2050 Mutual funds | — | — | — | $979K | 4.0% | |
| T. Rowe Price Capital Appreciation Mutual funds | — | — | — | $809K | 3.3% | |
| American Funds Target Date 2055 Mutual funds | — | — | — | $709K | 2.9% | |
| iShares Russell 1000 Growth Exchange traded funds | — | — | — | $668K | 2.7% | |
| Vanguard High Dividend Yield Exchange traded funds | — | — | — | $589K | 2.4% | |
| Parnassus Core Equity Investor Mutual funds | — | — | — | $527K | 2.1% | |
| Vanguard Mid-Cap Exchange traded funds | — | — | — | $471K | 1.9% | |
| American Funds Target Date 2020 Mutual funds | — | — | — | $469K | 1.9% | |
| iShares MSCI ACWI Exchange traded funds | — | — | — | $422K | 1.7% | |
| American Funds Target Date 2015 Mutual funds | — | — | — | $343K | 1.4% | |
| iShares Core S&P Small-Cap Exchange traded funds | — | — | — | $342K | 1.4% | |
| Retirement Cash Account Money market fund | — | — | — | $319K | 1.3% | |
| PIMCO Income Mutual funds | — | — | — | $312K | 1.3% | |
| Vangaurd Dividend Apprec Exchange traded funds | — | — | — | $308K | 1.2% | |
| DoubleLine Core Fixed Income I Mutual funds | — | — | — | $264K | 1.1% | |
| American Funds Target Date 2065 Mutual funds | — | — | — | $253K | 1.0% | |
| Vanguard Real Estate Exchange traded funds | — | — | — | $241K | 1.0% | |
| FMI International Mutual funds | — | — | — | $198K | 0.8% | |
| Vanguard Total Bond Market Exchange traded funds | — | — | — | $163K | 0.7% | |
| Spdr Bloomberg High Yield Exchange traded funds | — | — | — | $141K | 0.6% | |
| Vanguard Small Cap Value Exchange traded funds | — | — | — | $139K | 0.6% | |
| Vanguard FTSE Developed Markets Exchange traded funds | — | — | — | $131K | 0.5% | |
| Vanguard Short Term Bond Exchange traded funds | — | — | — | $100K | 0.4% | |
| Vanguard Intermidate Term C Exchange traded funds | — | — | — | $94K | 0.4% | |
| Vanguard FTSE Emerging Market Exchange traded funds | — | — | — | $73K | 0.3% | |
| Vangaurd Wellesley Income Mutual funds | — | — | — | $72K | 0.3% | |
| PIMCO 1-5 Year US TIPS Index Exchange traded funds | — | — | — | $71K | 0.3% | |
| Vanguard Health Care Exchange traded funds | — | — | — | $66K | 0.3% | |
| Invesco Senior Loan ETF Exchange traded funds | — | — | — | $64K | 0.3% | |
| iShares Russell 2000 Growth Exchange traded funds | — | — | — | $47K | 0.2% | |
| SPDR GOLD TRUST SHS Exchange traded funds | — | — | — | $45K | 0.2% | |
| Vangaurd FTSE All WO X US SC Exchange traded funds | — | — | — | $43K | 0.2% | |
| Am ount Date Withheld Rem itted $ 42,837 2024 x | — | — | — | $43K | 0.2% | |
| Invesco Emerging Markets Exchange traded funds | — | — | — | $30K | 0.1% | |
| 2,793 2023 x | — | — | — | $3K | <0.1% |
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