Original filing (PDF)20251001171017NAL0012882529001

QUAY AUSTRALIA

Name: QUAY AUSTRALIA — QUAY AUSTRALIA 401(K) PLAN, Form 5500 (2024)
Creator: QUAY AUSTRALIA

Form 5500

FILING_RECEIVED

QUAY AUSTRALIA 401(K) PLAN

401(k) retirement plan

Signals · 1

~224 bps in Sched C fees

Active participants

108

Accounts w/ balance

225

Plan assets (EOY)

$4.7M

Net assets (EOY)

$4.6M

How this plan invests

This plan

26 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score (directional)

/ 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

Vendor stack

100

Participation health

100

Knocking points off

224 bps in Schedule C fees — 330% above peer band of 52 bps.

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for QUAY AUSTRALIA.

Plan sponsor

Name

QUAY AUSTRALIA

EIN

90-1020612

Address

465 CALIFORNIA STREET, SUITE 1250 · SAN FRANCISCO, CA · 94104

Phone

(415) 315-9966

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

2025-10-01

Pension benefit codes

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)

Audit & trust (Schedule H)

Auditor

SILICON VALLEY ACCOUNTANCY CORP

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

5 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
EMPOWER ANNUITY INSURANCE COMPANY	—	GREENWOOD VILLAGE, CO	RECORDKEEPER	$63K	—

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
MERRILL LYNCH PIERCE FENNER & SMITH	—	PENNINGTON, NJ	INVESTMENT ADVISOR	$20K	—

Accountant / Auditor

Name	EIN	Location	Relation	Direct comp	Indirect comp
SILICON VALLEY ACCOUNTANCY CORP	—	SAN JOSE, CA	AUDITOR	$8K	—

Other

Name	EIN	Location	Relation	Direct comp	Indirect comp
QUAY EYEWARE INC	—	SAN FRANCISCO, CA	PLAN SPONSOR	$9K	—
EMPOWER ADVISORY GROUP, LLC	—	GREENWOOD VILLAGE, CO	INVESTMENT MGMT	$4K	—

Investments

26 direct securities· $4.7M(100% of reported assets)

Investment	Type	Shares / units	Cost	Current value	% of plan
American Century One Choice 2040 Fund Mutual Fund	—	—	—	$880K	18.9%
American Century One Choice 2050 Fund Mutual Fund	—	—	—	$671K	14.4%
iShares S&P Index Fund Mutual Fund	—	—	—	$647K	13.9%
American Century One Choice 2055 Fund Mutual Fund	—	—	—	$475K	10.2%
American Century One Choice 2060 Fund Mutual Fund	—	—	—	$412K	8.8%
American Century One Choice 2045 Fund Mutual Fund	—	—	—	$373K	8.0%
American Century One Choice 2035 Fund Mutual Fund	—	—	—	$264K	5.7%
American Funds International Growth * and Income Fund Mutual Fund	—	—	—	$215K	4.6%
iShares Russell Mid-Cap Index Fund Mutual Fund	—	—	—	$119K	2.6%
American Century One Choice 2030 Fund Mutual Fund	—	—	—	$90K	1.9%
American Funds New World Fund Mutual Fund	—	—	—	$87K	1.9%
iShares Russell 2000 Small-Cap Index Fd Mutual Fund	—	—	—	$84K	1.8%
American Century Inflation Adjusted * Bond Fund Mutual Fund	—	—	—	$58K	1.2%
American Funds Growth Fund of America Mutual Fund	—	—	—	$43K	0.9%
Victory FS Small Cap Growth Fund Mutual Fund	—	—	—	$35K	0.8%
JPMorgan Government Bond Fund Mutual Fund	—	—	—	$31K	0.7%
Goldman Sachs Mid Cap Value Fund Mutual Fund	—	—	—	$28K	0.6%
Key Guaranteed Portfolio Fund Fixed Annuity	—	—	—	$28K	0.6%
Royce Opportunity Institutional Fund Mutual Fund	—	—	—	$28K	0.6%
PGIM Total Return Bond Fund Mutual Fund	—	—	—	$24K	0.5%
First Eagle Global Fund Mutual Fund	—	—	—	$18K	0.4%
PGIM Global Total Return Fund Mutual Fund	—	—	—	$14K	0.3%
participants 9.50%	—	—	—	$14K	0.3%
American Century One Choice 2025 Fund Mutual Fund	—	—	—	$8K	0.2%
JPMorgan Equity Income Fund Mutual Fund	—	—	—	$7K	0.2%
Neuberger Berman Mid Cap Growth Fund Mutual Fund	—	—	—	$6K	0.1%