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Original filing (PDF)20250731163640NAL0002740419001
EPS OPERATIONS, LLC
Form 5500
FILING_RECEIVED
EPS OPERATIONS, LLC 401(K) PLAN
401(k) retirement plan
Signals · 2
~102 bps in Sched C feesNo recordkeeper disclosed
Active participants
108
Accounts w/ balance
104
Plan assets (EOY)
$3.3M
Net assets (EOY)
$3.3M
How this plan invests
This plan
27 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
80
Participation health
100
Knocking points off
- 102 bps in Schedule C fees — 95% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for EPS OPERATIONS, LLC.
Plan sponsor
Name
EPS OPERATIONS, LLC
EIN
92-1780143
Address
4800 HAMPDEN LN STE 560 · BETHESDA, MD · 030634067
Phone
(603) 579-3471
Industry
Information / Tech / Mediasee 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
2025-07-31
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
MCSOLEY MCCOY & CO.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PENSIONMARK FINANCIAL GROUP, LLC | 61-1758632 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $33K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MORNINGSTAR INVESTMENT MANAGEMENT L | 36-4317381 | — | INV ADV, PARTICIPANTS | $0 | — |
Investments
27 direct securities· $3.3M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds 2030 Target Date Retirement Fund 25,807.862 shares | — | — | $26K | $446K | 13.7% | |
| American Funds 2035 Target Date Retirement Fund 23,235.442 shares | — | — | $23K | $442K | 13.5% | |
| American Funds 2040 Target Date Retirement Fund 18,099.581 shares | — | — | $18K | $372K | 11.4% | |
| American Funds 2045 Target Date Retirement Fund 16,129.156 shares | — | — | $16K | $342K | 10.5% | |
| Vanguard 500 Index Fund 544.109 shares | — | — | — | $295K | 9.0% | |
| American Funds 2050 Target Date Retirement Fund 10,396.952 shares | — | — | $10K | $217K | 6.6% | |
| American Funds 2055 Target Date Retirement Fund 8,065.811 shares | — | — | $8K | $213K | 6.5% | |
| JPMorgan Large Cap Growth Fund 2,231.080 shares | — | — | $2K | $187K | 5.7% | |
| American Funds 2065 Target Date Retirement Fund 5,501.081 shares | — | — | $6K | $96K | 2.9% | |
| American Funds 2025 Target Date Retirement Fund 5,360.414 shares | — | — | $5K | $81K | 2.5% | |
| American Funds 2060 Target Date Retirement Fund 3,955.018 shares | — | — | $4K | $71K | 2.2% | |
| Putnam Large Cap Value Fund 1,928.051 shares | — | — | $2K | $66K | 2.0% | |
| PIMCO Income Fund 6,028.639 shares | — | — | $6K | $63K | 1.9% | |
| John Hancock Disciplined Value Mid Cap Fund 2,004.621 shares | — | — | $2K | $54K | 1.7% | |
| Dodge & Cox Income Fund 3,806.855 shares | — | — | $4K | $47K | 1.4% | |
| Vanguard Total International Stock Index Fund 1,359.248 shares | — | — | $1K | $43K | 1.3% | |
| Vanguard Small-Cap Index Fund 348.209 shares | — | — | — | $40K | 1.2% | |
| American Funds 2020 Target Date Retirement Fund 2,607.981 shares | — | — | $3K | $35K | 1.1% | |
| Principal Fixed Income Guaranteed Option 30,500.000 units | — | — | $31K | $34K | 1.0% | |
| Putnam Small Cap Growth Fund 381.632 shares | — | — | — | $30K | 0.9% | |
| Vanguard Mid-Cap Index Fund 87.613 shares | — | — | — | $29K | 0.9% | |
| T Rowe Price Mid-Cap Growth Fund Inc 220.347 shares | — | — | — | $22K | 0.7% | |
| Participant Loans 4.25% - 9.50% - | — | — | — | $21K | 0.6% | |
| Hartford International Value Fund 481.394 shares | — | — | — | $9K | 0.3% | |
| EuroPacific Growth Fund 124.216 shares | — | — | — | $7K | 0.2% | |
| Cohen & Steers Institutional Realty Shares Inc 53.844 shares | — | — | — | $3K | <0.1% | |
| DFA US Targeted Value Portfolio 42.975 shares | — | — | — | $1K | <0.1% |
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