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Original filing (PDF)20251014122927NAL0001378691001
ECHELON GROUP, LLC, DBA OPOC.US
Form 5500
FILING_RECEIVED
OPOC.US 401(K) PROFIT SHARING PLAN
401(k) retirement plan
Signals · 2
~92 bps in Sched C fees9 service providers
Active participants
129
Accounts w/ balance
171
Plan assets (EOY)
$6.7M
Net assets (EOY)
$6.7M
How this plan invests
This plan
5 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)
90
/ 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
88
Participation health
100
Knocking points off
- 92 bps in Schedule C fees — 76% above peer band of 52 bps.
- Highly fragmented vendor stack (9 disclosed providers, 6 categories).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for ECHELON GROUP, LLC, DBA OPOC.US.
Plan sponsor
Name
ECHELON GROUP, LLC, DBA OPOC.US
EIN
88-0772314
Address
300 W. WILSON BRIDGE RD. · SUITE 300 · WORTHINGTON, OH · 43085
Phone
(614) 431-4331
Industry
Finance & Insurancesee 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
2025-10-14
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2R · Participant-directed brokerage (SDBA)
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
BRADY, WARE & SCHOENFELD, INC.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
9 rowsRecordkeeper
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA RETIREMEWNT SOLUTIONS, | 13-3689044 | — | RECORD KEEPER | $41K | — |
| OPOC.US | 87-4188556 | — | RECORD KEEPER | $8K | — |
| NATIONWIDE | — | COLUMBUS, OH | RECORD KEEPER | $97 | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CADARET, GRANT & CO., INC. | 22-2361254 | — | INVESTMENT ADVISORY | $4K | — |
| LEAFHOUSE FINANCIAL ADVISORS, LLC | 26-4311657 | — | INVESTMENT ADVISORY | $2K | — |
Broker
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CHARLES SCHWAB & CO., INC. | 94-1737782 | — | SECURITIES BROKERAGE | $1 | — |
Trustee
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA TRUST COMPANY | 42-0947998 | — | TRUSTEE | $21 | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BRADY WARE & SCHOENFELD | 35-1476702 | — | AUDIT | $7K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EDWARD DA SOMMER | — | WORTHINGTON, OH | INVESTMENT | $135 | — |
Investments
30 direct securities · 5 pooled funds· $6.7M(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
$6.1M
30 holdings
Common Collective Trust
$686K
5 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Growth Index Fund # | — | — | — | $965K | 14.3% | |
| Vanguard Small Cap Index Fund # | — | — | — | $838K | 12.4% | |
| Self-directed brokerage account Personal Choice Aggregate SDBA Assets # | — | — | — | $684K | 10.1% | |
| Fidelity 500 Index Fund # | — | — | — | $639K | 9.5% | |
| RPAG/WILMINGTON LARGE CAP VALUE FD WILMINGTON · EIN 38-4065329 / PN 426 | Common Collective Trust | — | — | $317K | 4.7% | |
| PUTNAM SMALL CAP GROWTH TRUST R WILMINGTON TRUST · EIN 26-2447110 / PN 001 | Common Collective Trust | — | — | $312K | 4.6% | |
| PIMCO International Bond Fund # 33 State Street Global Equity Fund # | — | — | — | $277K | 4.1% | |
| Equity security funds American Funds American Balanced Fund # 64 American Funds New Perspective Fund # | — | — | — | $276K | 4.1% | |
| Fully benefit-responsive investment contracts at contract value * Transamerica Stable Value Core Account # | — | — | — | $265K | 3.9% | |
| American Funds New World Fund # | — | — | — | $261K | 3.9% | |
| State Street Small/Mid Cap Equity Fund # | — | — | — | $238K | 3.5% | |
| DFA US Targeted Value Fund # | — | — | — | $213K | 3.2% | |
| Vanguard Balanced Index Fund # | — | — | — | $212K | 3.1% | |
| five-year term unless for the purchase of a primary residence, collateralized by 50% of participants' vested account balance, maturing through April 2037. -0- | — | — | — | $201K | 3.0% | |
| Janus Henderson Global Life and Innovation Fund # | — | — | — | $178K | 2.6% | |
| DFA Real Estate Securities Fund # | — | — | — | $175K | 2.6% | |
| Franklin Utilities Fund # | — | — | — | $127K | 1.9% | |
| Vanguard Health Care Fund # | — | — | — | $116K | 1.7% | |
| Vanguard High-Yield Corporate Fund # 600 Vanguard Mid-Cap Growth Index Fund # | — | — | — | $101K | 1.5% | |
| iShares U.S. Aggregate Bond Index Fund # | — | — | — | $89K | 1.3% | |
| Transamerica Stable Value General Account # | — | — | — | $70K | 1.0% | |
| American Funds Small Cap World Fund # | — | — | — | $46K | 0.7% | |
| RPAG/WILMINGTON CORE PLUS BOND FD R WILMINGTON · EIN 38-4116854 / PN 515 | Common Collective Trust | — | — | $25K | 0.4% | |
| INTERNATIONAL GROWTH FUND II FEE CL WILMINGTON TRUST · EIN 38-4139842 / PN 619 | Common Collective Trust | — | — | $21K | 0.3% | |
| Fidelity Freedom Index 2060 Institutional Fund # | — | — | — | $15K | 0.2% | |
| Fidelity Freedom Index 2055 Institutional Fund # | — | — | — | $12K | 0.2% | |
| Vanguard Mid-Cap Value Index Fund # | — | — | — | $12K | 0.2% | |
| Fidelity Freedom Index 2050 Institutional Fund # | — | — | — | $11K | 0.2% | |
| State Street US Inflation Protected Bond Index Fund # | — | — | — | $11K | 0.2% | |
| STATE ST US INF PRTCTD BD IDX NL FD STATE STREET GLOBAL ADVISORS · EIN 90-0337987 / PN 168 | Common Collective Trust | — | — | $11K | 0.2% | |
| Fidelity Freedom Index 2065 Institutional Fund # | — | — | — | $7K | 0.1% | |
| Fidelity Freedom Index 2045 Institutional Fund # | — | — | — | $7K | <0.1% | |
| Fidelity Freedom Index 2035 Institutional Fund # | — | — | — | $6K | <0.1% | |
| Fidelity Freedom Index 2020 Institutional Fund # 565 Fidelity Freedom Index 2025 Institutional Fund # 297 Fidelity Freedom Index 2030 Institutional Fund # | — | — | — | $6K | <0.1% | |
| Fidelity Freedom Index 2040 Institutional Fund # | — | — | — | $5K | <0.1% |