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Original filing (PDF)20251015124119NAL0006282800001
USN OPCO, LLC
Form 5500
FILING_RECEIVED
PANORAMIC HEALTH 401K PLAN
401(k) retirement plan
Signals · 1
27% in single holding
Active participants
1,740
Accounts w/ balance
1,952
Plan assets (EOY)
$260.9M
Net assets (EOY)
$260.9M
How this plan invests
This plan
6 pooled trusts
Schedule D
34 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
97
/ 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
87
Total plan cost
100
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "Fidelity BrokerageLink Self-directed brokerage accounts" is 27% of plan.
Helping the score
- Below-peer total fees (4 bps vs 10 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for USN OPCO, LLC.
Plan sponsor
Name
USN OPCO, LLC
EIN
85-3975194
Address
850 WEST RIO SALADO PARKWAY · SUITE 201 · TEMPE, AZ · 85281
Phone
(480) 610-6100
Industry
Offices of Physicians· Health Care & Social Assistancesee 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
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2A · Age/service weighted or new comparability
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
2R · Participant-directed brokerage (SDBA)
Audit & trust (Schedule H)
Auditor
CBIZ CPAS P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | -$35K | — |
Advisor / Consultant
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| STRATEGIC ADVISORS, INC. | 04-2654524 | — | ADVISOR | $43K | — |
| GLOBAL RETIREMENT PARTNERS, LLC | 47-1411118 | — | CONSULTANT | $43K | — |
| WELLTH ADVISORY SERVICES, LLC | 99-2539506 | — | CONSULTANT | $43K | — |
Investments
30 direct securities · 6 pooled funds· $261.5M(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
$238.4M
29 holdings
Common Collective Trust
$21.7M
6 holdings
Mutual Funds
$1.4M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity BrokerageLink Self-directed brokerage accounts | — | — | — | $69.2M | 26.5% | |
| Fidelity Investments Fidelity 500 Index Fund | — | — | — | $32.0M | 12.3% | |
| Fidelity Investments Fidelity Freedom 2035 Fund - Class K | — | — | — | $29.6M | 11.4% | |
| Fidelity Investments Fidelity Freedom 2045 Fund - Class K | — | — | — | $19.2M | 7.4% | |
| Fidelity Investments Fidelity Freedom 2030 Fund - Class K | — | — | — | $17.7M | 6.8% | |
| Fidelity Investments Fidelity Freedom 2040 Fund - Class K | — | — | — | $15.3M | 5.8% | |
| GG LRG CAP GR IV R1 GREAT GRAY TRUST COMPANY, LLC · EIN 38-7289851 / PN 001 | Common Collective Trust | — | — | $10.2M | 3.9% | |
| Fidelity Investments Fidelity Government Money Market Fund; K6 | — | — | — | $5.9M | 2.3% | |
| Fidelity Investments Fidelity Freedom 2050 Fund - Class K | — | — | — | $5.9M | 2.2% | |
| Fidelity Investments Fidelity Freedom 2025 Fund - Class K | — | — | — | $5.8M | 2.2% | |
| Fidelity Investments Fidelity International Index Fund | — | — | — | $5.0M | 1.9% | |
| GG FAM CORE PL FI U GREAT GRAY TRUST COMPANY, LLC · EIN 38-7275326 / PN 001 | Common Collective Trust | — | — | $4.3M | 1.7% | |
| GG MFS MID CP VAL 2W GREAT GRAY TRUST COMPANY, LLC · EIN 38-4139822 / PN 616 | Common Collective Trust | — | — | $4.1M | 1.6% | |
| Fidelity Investments Fidelity Freedom 2055 Fund - Class K | — | — | — | $4.0M | 1.5% | |
| BlackRock Equity Dividend Fund K Shares | — | — | — | $3.3M | 1.3% | |
| Fidelity Investments Fidelity Extended Market Index Fund | — | — | — | $3.3M | 1.3% | |
| Oakmark Equity & Income Investor Class | — | — | — | $2.7M | 1.0% | |
| Fidelity Investments Fidelity U.S. Bond Index Fund | — | — | — | $2.7M | 1.0% | |
| Baron Investment Funds Baron Small Cap Fund Class R6 | — | — | — | $2.3M | 0.9% | |
| Great Gray Trust Company, LLC Lazard Emerging Markets Equity Advantage CIT Class 4 | — | — | — | $2.0M | 0.8% | |
| LZD EMRG MKTS EQ ADV GREAT GRAY TRUST COMPANY · EIN 86-1758580 / PN 674 | Common Collective Trust | — | — | $2.0M | 0.8% | |
| T. Rowe Price T. Rowe Price Diversified Mid Cap Gr I | — | — | — | $1.9M | 0.7% | |
| Fidelity Investments Fidelity Freedom 2020 Fund - Class K | — | — | — | $1.7M | 0.6% | |
| Notes receivable from participants Secured by vested benefits; maturity dates through March 2034; interest rates from 3.25% to 10.50% -0- | — | — | — | $1.6M | 0.6% | |
| Fidelity Investments Fidelity Freedom 2060 Fund - Class K | — | — | — | $1.6M | 0.6% | |
| Fidelity Investments Fidelity Freedom 2015 Fund - Class K | — | — | — | $1.5M | 0.6% | |
| s * Fidelity Investments Fidelity Freedom 2010 Fund - Class K | Mutual Funds | — | — | $1.4M | 0.5% | |
| Dodge & Cox Funds Dodge & Cox International Stock Fund Class I | — | — | — | $1.4M | 0.5% | |
| Fidelity Investments Fidelity U.S. Sustainability Index Fund | — | — | — | $1.1M | 0.4% | |
| C&S US REALTY U SEI TRUST COMPANY · EIN 46-3411346 / PN 064 | Common Collective Trust | — | — | $960K | 0.4% | |
| Fidelity Investments Fidelity Freedom 2065 Fund - Class K | — | — | — | $870K | 0.3% | |
| Fidelity Investments Fidelity Small Cap Value Fund | — | — | — | $596K | 0.2% | |
| Fidelity Investments Fidelity Freedom Income Fund; K | — | — | — | $40K | <0.1% | |
| Fidelity Investments Fidelity International Sustainability Index Fund | — | — | — | $22K | <0.1% | |
| Fidelity Investments Fidelity Freedom 2070 Fund - Class K | — | — | — | $4K | <0.1% | |
| BALANCED SUST R1 GREAT GRAY TRUST COMPANY, LLC · EIN 38-4139844 / PN 624 | Common Collective Trust | — | — | $460 | <0.1% |