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Original filing (PDF)20250904182822NAL0016392689001
COLLEGE TRACK
Form 5500
FILING_RECEIVED
COLLEGE TRACK 401(K)
401(k) retirement plan
Active participants
230
Accounts w/ balance
276
Plan assets (EOY)
$10.3M
Net assets (EOY)
$10.3M
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)
91
/ 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
100
Knocking points off
- 46 bps in Schedule C fees — 60% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for COLLEGE TRACK.
Plan sponsor
Name
COLLEGE TRACK
EIN
94-3279613
Address
483 9TH STREET, SUITE 200 · OAKLAND, CA · 94607
Phone
(510) 435-7768
Industry
Educational 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
2025-09-04
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)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
MITCHELL TITUS
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $11K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| VITA PLANNING GROUP LLC | — | VANCOUVER, WA | INVESTMENT ADVISOR | $20K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $16K | — |
Investments
32 direct securities· $10.3M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity 500 Index Fund Mutual fund N/A | — | — | — | $1.8M | 17.7% | |
| American Funds 2055 Target Date Retirement Fund Mutual fund N/A | — | — | — | $1.3M | 13.0% | |
| American Funds 2045 Target Date Retirement Fund Mutual fund N/A | — | — | — | $1.0M | 10.2% | |
| Fidelity International Index Fund Mutual fund N/A | — | — | — | $713K | 6.9% | |
| American Funds 2035 Target Date Retirement Fund Mutual fund N/A | — | — | — | $695K | 6.7% | |
| Fidelity Small Cap Index Fund Mutual fund N/A | — | — | — | $461K | 4.5% | |
| Fidelity Mid Cap Index Fund Mutual fund N/A | — | — | — | $453K | 4.4% | |
| American Funds 2050 Target Date Retirement Fund Mutual fund N/A | — | — | — | $453K | 4.4% | |
| JPMorgan Emerging Markets Equity Fund Mutual fund N/A | — | — | — | $363K | 3.5% | |
| Empower Large Cap Growth Fund Institutional Mutual fund N/A | — | — | — | $357K | 3.5% | |
| American Funds 2060 Target Date Retirement Fund Mutual fund N/A | — | — | — | $346K | 3.4% | |
| American Funds 2040 Target Date Retirement Fund Mutual fund N/A | — | — | — | $343K | 3.3% | |
| Empower International Value Fund Institutional Mutual fund N/A | — | — | — | $303K | 2.9% | |
| Fidelity U.S. Bond Index Fund Mutual fund N/A | — | — | — | $285K | 2.8% | |
| American Century Small Cap Value Fund Mutual fund N/A | — | — | — | $146K | 1.4% | |
| American Funds 2065 Target Date Retirement Fund Mutual fund N/A | — | — | — | $130K | 1.3% | |
| Federated Hermes Kaufmann Small Cap Fund Mutual fund N/A | — | — | — | $113K | 1.1% | |
| American Funds 2025 Target Date Retirement Fund Mutual fund N/A | — | — | — | $102K | 1.0% | |
| American Funds Small Cap World Fund Mutual fund N/A | — | — | — | $90K | 0.9% | |
| BlackRock Equity Dividend Fund Mutual fund N/A | — | — | — | $85K | 0.8% | |
| PIMCO Commodity Real Return Strategy Fund Mutual fund N/A | — | — | — | $79K | 0.8% | |
| American Century Real Estate Fund Mutual fund N/A | — | — | — | $76K | 0.7% | |
| PIMCO Income Fund Institutional Mutual fund N/A | — | — | — | $70K | 0.7% | |
| Great-West Key Guaranteed Portfolio Fund Guaranteed investment contract N/A | — | — | — | $69K | 0.7% | |
| Notes receivable from participants Maturing 2025-2030 at interest rates of 4.25%-9.50% - | — | — | — | $61K | 0.6% | |
| BlackRock Mid-Cap Growth Equity Fund Mutual fund N/A | — | — | — | $61K | 0.6% | |
| MFS International Growth Fund Mutual fund N/A | — | — | — | $53K | 0.5% | |
| Dodge & Cox Income Fund Class I Mutual fund N/A | — | — | — | $49K | 0.5% | |
| American Century Mid Cap Value Fund Mutual fund N/A | — | — | — | $46K | 0.4% | |
| American Funds 2030 Target Date Retirement Fund Mutual fund N/A | — | — | — | $32K | 0.3% | |
| Empower Core Strategies Inflation-Protected Securities Fund Mutual fund N/A | — | — | — | $31K | 0.3% | |
| Fidelity Capital and Income Fund Mutual fund N/A | — | — | — | $23K | 0.2% |
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