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Original filing (PDF)20250922132443NAL0002153699001
CREDIT CARD SERVICES, INC.
Form 5500
FILING_RECEIVED
BANKCARD SERVICE 401(K) PLAN
401(k) retirement plan
Signals · 2
26% in single holdingNo recordkeeper disclosed
Active participants
122
Accounts w/ balance
104
Plan assets (EOY)
$5.5M
Net assets (EOY)
$5.5M
How this plan invests
This plan
30 pooled trusts
Schedule D
39 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
95
/ 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
87
Total plan cost
100
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "Vanguard 500 Index Adm Registered Investment Company" is 26% of plan.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CREDIT CARD SERVICES, INC..
Plan sponsor
Name
CREDIT CARD SERVICES, INC.
EIN
95-4585660
Address
21281 S. WESTERN AVE. · TORRANCE, CA · 90501
Phone
(213) 365-1122
Industry
All Other Professional Services· Professional & Technical 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
2025-09-22
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
LEE CPA AUDIT GROUP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsOther
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CATALINA CAPITAL GROUP LLC | — | TORRANCE, CA | — | $19K | — |
| THE VANGUARD GROUP INC. | 23-1945930 | — | — | $13K | — |
| ALLIED CONSULTANTS, INC. | 95-4171622 | CHINO HILLS, CA | — | $2K | — |
Investments
9 direct securities · 30 pooled funds· $6.7M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Master Trust
$5.4M
30 holdings
Uncategorized
$1.3M
9 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| VANGUARD 500 INDEX ADM THE VANGUARD GROUP · EIN 23-1945930 / PN 000 | Master Trust | — | — | $1.8M | 32.6% | |
| VANGUARD TARGET RETIREMENT 2045 FUN THE VANGUARD GROUP · EIN 23-1945930 / PN 000 | Master Trust | — | — | $554K | 10.2% | |
| Vanguard Target Retirement 204 Registered Investment company | — | — | — | $554K | 10.2% | |
| T. ROWE PRICE BLUE CHIP GROWTH I THE VANGUARD GROUP · EIN 23-1945930 / PN 000 | Master Trust | — | — | $474K | 8.7% | |
| VANGUARD FEDERAL MONEY MARKET INV THE VANGUARD GROUP · EIN 23-1945930 / PN 000 | Master Trust | — | — | $418K | 7.7% | |
| VANGUARD TARGET RETIREMENT 2035 FUN THE VANGUARD GROUP · EIN 23-1945930 / PN 000 | Master Trust | — | — | $341K | 6.3% | |
| Vanguard Target Retirement 204 Registered Investment company | — | — | — | $325K | 6.0% | |
| VANGUARD TARGET RETIREMENT 2040 FUN THE VANGUARD GROUP · EIN 23-1945930 / PN 000 | Master Trust | — | — | $325K | 6.0% | |
| VANGUARD TARGET RETIREMENT 2020 FUN THE VANGUARD GROUP · EIN 23-1945930 / PN 000 | Master Trust | — | — | $297K | 5.4% | |
| Vanguard Target Retirement 202 Registered Investment company | — | — | — | $297K | 5.4% | |
| MFS MID CAP GROWTH R6 THE VANGUARD GROUP · EIN 23-1945930 / PN 000 | Master Trust | — | — | $205K | 3.8% | |
| VANGUARD HIGH YIELD CORP ADM THE VANGUARD GROUP · EIN 23-1945930 / PN 000 | Master Trust | — | — | $180K | 3.3% | |
| VANGUARD TARGET RETIREMENT 2030 FUN THE VANGUARD GROUP · EIN 23-1945930 / PN 000 | Master Trust | — | — | $163K | 3.0% | |
| VANGUARD TARGET RETIREMENT 2050 FUN THE VANGUARD GROUP · EIN 23-1945930 / PN 000 | Master Trust | — | — | $156K | 2.9% | |
| VANGUARD TARGET RETIREMENT 2025 FUN THE VANGUARD GROUP · EIN 23-1945930 / PN 000 | Master Trust | — | — | $141K | 2.6% | |
| VANGUARD TARGET RETIREMENT 2055 FUN THE VANGUARD GROUP · EIN 23-1945930 / PN 000 | Master Trust | — | — | $137K | 2.5% | |
| Participant Loans Interest rates at (9.00% ~ 9.50%) $0 | — | — | — | $51K | 0.9% | |
| VANGUARD TARGET RETIREMENT 2060 FUN THE VANGUARD GROUP · EIN 23-1945930 / PN 000 | Master Trust | — | — | $40K | 0.7% | |
| MACQUARIE EMERGING MARKETS R6 THE VANGUARD GROUP · EIN 23-1945930 / PN 000 | Master Trust | — | — | $31K | 0.6% | |
| AMERICAN FUNDS WASHINGTON MUTUAL R6 THE VANGUARD GROUP · EIN 23-1945930 / PN 000 | Master Trust | — | — | $20K | 0.4% | |
| American Funds Washington Mutu Registered Investment company | — | — | — | $20K | 0.4% | |
| COLUMBIA BALANCED I3 THE VANGUARD GROUP · EIN 23-1945930 / PN 000 | Master Trust | — | — | $20K | 0.4% | |
| VANGUARD EQUITY INCOME ADM THE VANGUARD GROUP · EIN 23-1945930 / PN 000 | Master Trust | — | — | $19K | 0.3% | |
| VANGUARD SMALL-CAP INDEX ADM THE VANGUARD GROUP · EIN 23-1945930 / PN 000 | Master Trust | — | — | $16K | 0.3% | |
| Vanguard Small-Cap Index Adm Registered Investment company | — | — | — | $16K | 0.3% | |
| VANGUARD MID-CAP VALUE INDEX ADM THE VANGUARD GROUP · EIN 23-1945930 / PN 000 | Master Trust | — | — | $15K | 0.3% | |
| PRINCIPAL SMALLCAP VALUE II R6 THE VANGUARD GROUP · EIN 23-1945930 / PN 000 | Master Trust | — | — | $12K | 0.2% | |
| VANGUARD TARGET RETIREMENT 2065 FUN THE VANGUARD GROUP · EIN 23-1945930 / PN 000 | Master Trust | — | — | $11K | 0.2% | |
| GOLDMAN SACHS INTL EQ INSIGHTS R6 THE VANGUARD GROUP · EIN 23-1945930 / PN 000 | Master Trust | — | — | $9K | 0.2% | |
| VANGUARD INFLATION-PROTECTED SEC AD THE VANGUARD GROUP · EIN 23-1945930 / PN 000 | Master Trust | — | — | $8K | 0.2% | |
| Vanguard Inflation-Protected S Registered Investment company | — | — | — | $8K | 0.2% | |
| JANUS HENDERSON TRITON N THE VANGUARD GROUP · EIN 23-1945930 / PN 000 | Master Trust | — | — | $5K | 0.1% | |
| VANGUARD TOTAL BOND MARKET INDEX AD THE VANGUARD GROUP · EIN 23-1945930 / PN 000 | Master Trust | — | — | $4K | <0.1% | |
| Vanguard Target Retirement Income Fund Registered Investment Company | — | — | — | $4K | <0.1% | |
| VANGUARD TOTAL BOND MARKET THE VANGUARD GROUP · EIN 23-1945930 / PN 000 | Master Trust | — | — | $4K | <0.1% | |
| AMERICAN CENTURY REAL ESTATE R6 THE VANGUARD GROUP · EIN 23-1945930 / PN 000 | Master Trust | — | — | $3K | <0.1% | |
| Guranteed Annuity Contracts * Nationwide Fixed Select Option Guranteed Annuity Contract | — | — | — | $2K | <0.1% | |
| VANGUARD TOTAL INTL STOCK INDEX ADM THE VANGUARD GROUP · EIN 23-1945930 / PN 000 | Master Trust | — | — | $2K | <0.1% | |
| VOYA INTERMEDIATE BOND R6 THE VANGUARD GROUP · EIN 23-1945930 / PN 000 | Master Trust | — | — | $665 | <0.1% |