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Original filing (PDF)20251013194043NAL0000922275001
QVALE AUTO GROUP, INC.
Form 5500
FILING_RECEIVED
QVALE AUTO GROUP EMPLOYEE SAVINGS INVESTMENT PLAN
401(k) retirement plan
Signals · 1
~86 bps in Sched C fees
Active participants
88
Accounts w/ balance
359
Plan assets (EOY)
$7.9M
Net assets (EOY)
$7.9M
How this plan invests
This plan
24 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
- 86 bps in Schedule C fees — 65% above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for QVALE AUTO GROUP, INC..
Plan sponsor
Name
QVALE AUTO GROUP, INC.
EIN
94-6367002
Address
101 HICKEY BLVD · SUITE A-522 · SOUTH SAN FRANCISCO, CA · 94080
Phone
(650) 663-9351
Industry
Retail Tradesee all
Plan administrator
Name
PENTEGRA SERVICES, INC.
EIN
13-3745616
City
WHITE PLAINS, NC
Phone
(844) 367-2848
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-13
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2R · Participant-directed brokerage (SDBA)
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
CROWE LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsRecordkeeper
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $27K | — |
| EMPOWER ADVISORY GROUP,LLC | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $4K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CONCURRENT INVESTMENT ADVISORS LLC | — | TAMPA, FL | INVESTMENT ADVISOR | $15K | — |
| EMPOWER FINANCIAL SERVICES, INC. | — | GREENWOOD VILLAGE, CO | INVESTMENT MANAGER | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PENTEGRA SERVICES INC | — | BLACKLICK, OH | CONTRACT ADMIN | $23K | — |
Investments
24 direct securities· $7.9M(100% of reported assets)
Uncategorized
$7.4M
23 holdings
Mutual Funds
$565K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Institutional Target Retirement 2025 # | — | — | — | $987K | 12.4% | |
| Vanguard Institutional Target Retirement 2030 # | — | — | — | $964K | 12.1% | |
| American Funds American Funds Growth Fund of America R6 # | Mutual Funds | — | — | $565K | 7.1% | |
| Vanguard Institutional Target Retirement 2050 # | — | — | — | $543K | 6.8% | |
| Vanguard 500 Index Admiral # | — | — | — | $528K | 6.6% | |
| Vanguard Institutional Target Retirement 2040 # | — | — | — | $506K | 6.4% | |
| Vanguard Institutional Target Retirement 2045 # | — | — | — | $482K | 6.1% | |
| Vanguard Institutional Target Retirement 2035 # | — | — | — | $433K | 5.5% | |
| Fidelity Investments Fidelity Government Money Market Premium Class # | — | — | — | $418K | 5.3% | |
| Vanguard Institutional Target Retirement 2055 # | — | — | — | $410K | 5.2% | |
| Vanguard Institutional Target Retirement 2060 # | — | — | — | $385K | 4.8% | |
| MassMutual Select Mid Cap Growth I # | — | — | — | $378K | 4.8% | |
| Vanguard Total International Stock # | — | — | — | $267K | 3.4% | |
| Vanguard Institutional Target Retirement 2020 # | — | — | — | $257K | 3.2% | |
| Putnam Large Cap Value R6 # | — | — | — | $207K | 2.6% | |
| Virtus NFJ Mid-Cap Value Fund Class R6 # | — | — | — | $204K | 2.6% | |
| Pioneer Investments Pioneer Bond K # | — | — | — | $174K | 2.2% | |
| Vanguard Target Retirement Income # | — | — | — | $96K | 1.2% | |
| Vanguard Small Cap Index Admiral # | — | — | — | $51K | 0.6% | |
| Vanguard Institutional Target Retirement 2065 # | — | — | — | $43K | 0.5% | |
| Vanguard Mid Cap Index Admiral # | — | — | — | $28K | 0.4% | |
| Fidelity Investments Fidelity Advisor Small Cap Growth Z # | — | — | — | $10K | 0.1% | |
| with maturity dates through 2029 # | — | — | — | $5K | <0.1% | |
| Self-directed brokerage accounts Various Participant-Directed Brokerage Accounts # | — | — | — | $5K | <0.1% |