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Original filing (PDF)20251013114149NAL0000547299001
BALFOUR PAYROLL, LLC
Form 5500
FILING_RECEIVED
BALFOUR PAYROLL, LLC 401(K) PLAN
401(k) retirement plan
Signals · 1
~80 bps in Sched C fees
Active participants
656
Accounts w/ balance
196
Plan assets (EOY)
$2.6M
Net assets (EOY)
$2.6M
How this plan invests
This plan
12 pooled trusts
Schedule D
25 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
86
/ 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
65
Knocking points off
- 80 bps in Schedule C fees — 53% above peer band of 52 bps.
- Only 30% as many balances as active participants — suggests many active employees aren't deferring.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BALFOUR PAYROLL, LLC.
Plan sponsor
Name
BALFOUR PAYROLL, LLC
EIN
87-4581113
Address
183 SOUTH TAYLOR AVENUE · SUITE 155 · LOUISVILLE, CO · 80027
Phone
(844) 354-8877
Industry
Professional & Technical Servicessee 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
2025-10-13
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3B · Covers self-employed individuals
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
CBIZ CPAS P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA RETIREMENT SOLUTIONS | 13-3689044 | — | RECORDKEEPER | $15K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NOVA 401(K) ASSOCIATES | 20-1181458 | — | THIRD PARTY ADMINISTRATOR | $6K | — |
Investments
14 direct securities · 12 pooled funds· $2.6M(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
$2.2M
12 holdings
Uncategorized
$432K
14 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| PRINCIPAL LIFETIME HYB CIT 2030 Z PRINCIPAL · EIN 26-6447574 / PN 889 | Common Collective Trust | — | — | $479K | 18.1% | |
| PRINCIPAL LIFETIME HYB CIT 2045 Z PRINCIPAL · EIN 26-6447574 / PN 889 | Common Collective Trust | — | — | $402K | 15.2% | |
| PRINCIPAL LIFETIME HYB CIT 2040 Z PRINCIPAL · EIN 26-6447574 / PN 889 | Common Collective Trust | — | — | $317K | 12.0% | |
| PRINCIPAL LIFETIME HYB CIT 2035 Z PRINCIPAL · EIN 26-6447574 / PN 889 | Common Collective Trust | — | — | $301K | 11.4% | |
| Fidelity 500 Index Mutual fund | — | — | — | $268K | 10.1% | |
| PRINCIPAL LIFETIME HYB CIT 2055 Z PRINCIPAL · EIN 26-6447574 / PN 889 | Common Collective Trust | — | — | $193K | 7.3% | |
| PRINCIPAL LIFETIME HYB CIT 2050 Z PRINCIPAL · EIN 26-6447574 / PN 889 | Common Collective Trust | — | — | $182K | 6.9% | |
| PRINCIPAL LIFETIME HYB CIT 2025 Z PRINCIPAL · EIN 26-6447574 / PN 889 | Common Collective Trust | — | — | $102K | 3.8% | |
| PRINCIPAL LIFETIME HYB CIT 2060 Z PRINCIPAL · EIN 26-6447574 / PN 889 | Common Collective Trust | — | — | $99K | 3.7% | |
| PRINCIPAL LIFETIME HYB CIT 2065 Z PRINCIPAL · EIN 26-6447574 / PN 013 | Common Collective Trust | — | — | $79K | 3.0% | |
| PRINCIPAL LIFETIME HYB CIT 2020 Z PRINCIPAL · EIN 26-6447574 / PN 889 | Common Collective Trust | — | — | $55K | 2.1% | |
| Notes receivable from participants Interest rates of 3.0% to 9.5% -0- | — | — | — | $54K | 2.1% | |
| Principal Equity Income Inst Mutual fund | — | — | — | $21K | 0.8% | |
| Transamerica Stable Value Core Option Guaranteed interest account | — | — | — | $19K | 0.7% | |
| Fidelity Mid Cap Index Mutual fund | — | — | — | $16K | 0.6% | |
| Fidelity US Bond Index Mutual fund | — | — | — | $15K | 0.6% | |
| Fidelity International Index Mutual fund | — | — | — | $11K | 0.4% | |
| AB Large Cap Growth Z Mutual fund | — | — | — | $6K | 0.2% | |
| Fidelity Small Cap Index Mutual fund | — | — | — | $6K | 0.2% | |
| Principal SmallCap Growth I Inst Mutual fund | — | — | — | $5K | 0.2% | |
| American Funds New World R6 Mutual fund | — | — | — | $5K | 0.2% | |
| MFS Mid Cap Growth R6 Mutual fund | — | — | — | $3K | 0.1% | |
| Victory Sycamore Established Value R6 Mutual fund | — | — | — | $2K | <0.1% | |
| PRINCIPAL LIFETIME HYB CIT INCOME Z PRINCIPAL · EIN 26-6447574 / PN 889 | Common Collective Trust | — | — | $2K | <0.1% | |
| PIMCO Income Instl Mutual fund | — | — | — | $1K | <0.1% | |
| PRINCIPAL LIFETIME HYB CIT 2015 Z PRINCIPAL · EIN 26-6447574 / PN 889 | Common Collective Trust | — | — | $234 | <0.1% |
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