Back to filter
Original filing (PDF)20250825104923NAL0003864163001
SURF OPCO LLC
Form 5500
FILING_RECEIVED
SURF OPCO 401(K) PLAN
401(k) retirement plan
Active participants
204
Accounts w/ balance
242
Plan assets (EOY)
$8.7M
Net assets (EOY)
$8.7M
How this plan invests
This plan
32 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
- 65 bps in Schedule C fees — modestly above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SURF OPCO LLC.
Plan sponsor
Name
SURF OPCO LLC
EIN
86-1780704
Address
8648 GLENMONT DRIVE 130 · HOUSTON, TX · 77036
Phone
(832) 712-2264
Industry
Wholesale Tradesee 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
2025-08-25
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
2S · Automatic enrollment
2T · Default investment account (QDIA)
3B · Covers self-employed individuals
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
CASSELL PLAN AUDITS, INC.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $24K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MMA SECURITIES LLC | — | NEW YORK, NY | INVESTMENT ADVISOR | $22K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CASSELL PLAN AUDITS INC | — | SAINT CHARLES, IL | AUDITOR | $4K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $7K | — |
Investments
32 direct securities· $8.7M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| MFS Growth Fund | — | — | — | $1.0M | 11.9% | |
| Fidelity Investments Fidelity 500 Index Fund | — | — | — | $1.0M | 11.6% | |
| Fidelity Investments Fidelity Freedom Index 2035 Investor Fund | — | — | — | $882K | 10.1% | |
| T. Rowe Price T. Rowe Price Capital Appreciation Fund | — | — | — | $620K | 7.1% | |
| Fidelity Investments Fidelity Freedom Index 2045 Investor Fund | — | — | — | $589K | 6.7% | |
| JPMorgan US Research Enhanced Equity Fund | — | — | — | $392K | 4.5% | |
| American Funds American Funds New Perspective Fund | — | — | — | $341K | 3.9% | |
| Fidelity Investments Fidelity Small Cap Index Fund | — | — | — | $308K | 3.5% | |
| Participants Notes receivable from participants (interest rates at 4.25 to | — | — | — | $304K | 3.5% | |
| Fidelity Investments Fidelity Total International Index Fund | — | — | — | $299K | 3.4% | |
| Dodge & Cox Dodge & Cox Stock Fund | — | — | — | $276K | 3.2% | |
| Fidelity Investments Fidelity Mid Cap Index Fund | — | — | — | $273K | 3.1% | |
| Empower Annuity Insurance Company of America Key Guaranteed Portfolio Fund | — | — | — | $229K | 2.6% | |
| Vanguard International Growth Fund | — | — | — | $223K | 2.5% | |
| Fidelity Investments Fidelity Freedom Index 2055 Investor Fund | — | — | — | $189K | 2.2% | |
| Fidelity Investments Fidelity US Bond Index Fund | — | — | — | $182K | 2.1% | |
| Fidelity Investments Fidelity Freedom Index 2050 Investor Fund | — | — | — | $149K | 1.7% | |
| MFS International Growth Fund | — | — | — | $142K | 1.6% | |
| Fidelity Investments Fidelity Freedom Index 2040 Investor Fund | — | — | — | $141K | 1.6% | |
| American Funds American Funds New World Fund | — | — | — | $141K | 1.6% | |
| JPMorgan Undiscovered Managers Behavorial Fund | — | — | — | $138K | 1.6% | |
| Fidelity Investments Fidelity Freedom Index 2030 Investor Fund | — | — | — | $120K | 1.4% | |
| BlackRock Health Sciences Opportunties Fund | — | — | — | $114K | 1.3% | |
| Fidelity Investments Fidelity Freedom Index 2060 Investor Fund | — | — | — | $113K | 1.3% | |
| Fidelity Investments Fidelity Freedom Index 2025 Investor Fund | — | — | — | $112K | 1.3% | |
| PIMCO Income Fund | — | — | — | $111K | 1.3% | |
| Victory Capital Victory Sycamore Established Value Fund | — | — | — | $101K | 1.2% | |
| Franklin Templeton Investments Western Asset Core Bond Fund | — | — | — | $93K | 1.1% | |
| Fidelity Investments Fidelity Freedom Index 2065 Investor Fund | — | — | — | $76K | 0.9% | |
| Fidelity Investments Fidelity Small Cap Growth Index Fund | — | — | — | $22K | 0.2% | |
| BlackRock Mid-Cap Growth Equity Fund | — | — | — | $9K | <0.1% | |
| Fidelity Investments Fidelity Freedom Index 2015 Investor Fund | — | — | — | $2K | <0.1% |
Related plans
Other plans using EMPOWER ANNUITY INSURANCE COMPANY
SOUTHWEST AIRLINES CO.
SOUTHWEST AIRLINES CO. RETIREMENT SAVINGS PLAN
$17.0B · 74,221 participants
ABBVIE INC.
ABBVIE SAVINGS PLAN
$13.4B · 28,506 participants
ADVOCATE AURORA HEALTH, INC
ADVOCATE AURORA HEALTH 401(K) PLAN
$10.5B · 83,445 participants
BECHTEL GLOBAL CORPORATION
BECHTEL TRUST & THRIFT PLAN
$6.1B · 8,546 participants
BLOOMBERG L.P.
BLOOMBERG L.P. 401(K) PLAN
$5.7B · 14,853 participants
SCHNEIDER ELECTRIC HOLDINGS, INC.
SCHNEIDER ELECTRIC 401(K) PLAN
$5.1B · 20,597 participants
Similar-size Wholesale Trade plans
SOLID GEAR, INC.
SOLID GEAR, INC. 401(K) PLAN
$8.8M · 54 participants
ESCGOV, INC.
ESCGOV, INC. 401(K) PROFIT SHARING PLAN
$8.6M · 11 participants
CDM, INC.
CDM, INC. 401(K) PROFIT SHARING PLAN
$8.9M · 257 participants
HEARTLAND VIDEO SYSTEMS, INC.
HEARTLAND VIDEO SYSTEMS SAVINGS AND RETIREMENT PLAN
$8.5M · 40 participants
BROADFIELD DISTRIBUTING, INC.
BROADFIELD DISTRIBUTING, INC. 401(K) PLAN
$8.5M · 37 participants
ALPINE RESOURCES LLC
ALPINE RESOURCES LLC 401(K) PROFIT SHARING PLAN & TRUST
$9.1M · 7 participants
Large plans in Texas
AT&T INC.
AT&T RETIREMENT SAVINGS PLAN
$43.1B · 102,760 participants
AT&T INC.
AT&T SAVINGS PLAN MASTER TRUST
$42.6B
AT&T INC.
SBC MASTER PENSION TRUST
$30.6B
AT&T INC.
AT&T PENSION BENEFIT PLAN
$28.3B · 93,065 participants
AMERICAN AIRLINES, INC. - RETIREMENT
MASTER TRUST FOR DC PLANS OF AMERICAN AIRLINES, INC. AND AFFILIATES
$27.7B
SAMMONS ENTERPRISES, INC.
SAMMONS ENTERPRISES, INC. EMPLOYEE STOCK OWNERSHIP PLAN
$23.9B · 3,454 participants