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Original filing (PDF)20260109130739NAL0018773250001
KLARNA, INC.
Form 5500
FILING_RECEIVED
KLARNA 401(K) PLAN
401(k) retirement plan
Signals · 4
Late filing · 1.8 mo28% in single holdingNo recordkeeper disclosed15 service providers
Active participants
261
Accounts w/ balance
569
Plan assets (EOY)
$32.1M
Net assets (EOY)
$32.1M
How this plan invests
This plan
38 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
93
/ 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
93
Concentration risk
86
Total plan cost
100
Vendor stack
80
Participation health
100
Knocking points off
- Filed 1.8 months past the 10.5-month grace window.
- Top holding "T. Rowe Price Target Retirement 2055" is 28% of plan.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for KLARNA, INC..
Plan sponsor
Name
KLARNA, INC.
EIN
99-0365994
Address
629 N HIGH ST STE 300 · COLUMBUS, OH · 432152025
Phone
(614) 961-4800
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
2026-01-09
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)
2S · Automatic enrollment
Audit & trust (Schedule H)
Auditor
ARY ROEPCKE MULCHAEY, P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
15 rowsOther
15| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| T. ROWE PRICE RPS, INC. | 52-1309931 | — | NONE | $68K | — |
| JP MORGAN | 13-2624428 | — | NONE | $0 | — |
| VOYA | 41-0991508 | — | NONE | $0 | — |
| BLACKROCK | 04-6171663 | — | NONE | $0 | — |
| COHEN & STEERS | 14-1904657 | — | NONE | $0 | — |
| PIMCO | 33-0629048 | — | NONE | $0 | — |
| DIMENSIONAL FUNDS | 95-4470812 | — | NONE | $0 | — |
| BUFFALO FUNDS | 04-3276558 | — | NONE | $0 | — |
| PRUDENTIAL JENNISON | 48-1069845 | — | NONE | $0 | — |
| INVESCO | 26-4521338 | — | NONE | $0 | — |
| ALLIANCE BERNSTEIN | — | NEW YORK, NY | NONE | $0 | — |
| FIDELITY | 04-2647786 | — | NONE | $0 | — |
| MFS | 04-2747644 | — | NONE | $0 | — |
| AMERICAN FUNDS | 95-1411037 | — | NONE | $0 | — |
| VICTORY | 13-2700161 | — | NONE | $0 | — |
Investments
32 direct securities· $32.2M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| T. Rowe Price Target Retirement 2055 | — | — | — | $9.4M | 29.4% | |
| T. Rowe Price Target Retirement 2050 | — | — | — | $5.1M | 16.0% | |
| T. Rowe Price Target Retirement 2060 | — | — | — | $4.2M | 13.0% | |
| Fidelity 500 Index | — | — | — | $3.1M | 9.5% | |
| T. Rowe Price Target Retirement 2045 | — | — | — | $2.8M | 8.8% | |
| T. Rowe Price Target Retirement 2040 | — | — | — | $1.6M | 5.1% | |
| T. ROWE PRICE RETIREMENT 2035 I CLASS MUTUAL FUND | — | — | — | $759K | 2.4% | |
| Fidelity Mid Cap Index | — | — | — | $600K | 1.9% | |
| FIDELITY SMALL CAP INDEX MUTUAL FUND | — | — | — | $528K | 1.6% | |
| Alliance Bernstein Large Cap Growth | — | — | — | $521K | 1.6% | |
| T. Rowe Price Target Retirement 2065 | — | — | — | $505K | 1.6% | |
| Fidelity Contrafund | — | — | — | $494K | 1.5% | |
| Fidelity International Index | — | — | — | $397K | 1.2% | |
| MFS Value | — | — | — | $224K | 0.7% | |
| American Funds New Perspective | — | — | — | $223K | 0.7% | |
| PARTICIPANT LOANS LOW-HIGH INTEREST RATE 3.00% - 9.50% | — | — | — | $221K | 0.7% | |
| Notes receivable from particpiants with interest rates ranging from 3.00% to 9.50% - | — | — | — | $221K | 0.7% | |
| DFA Emerging Markets Portfolio | — | — | — | $208K | 0.6% | |
| T. Rowe Price Target Retirement 2030 | — | — | — | $195K | 0.6% | |
| Fidelity U.S. Bond | — | — | — | $179K | 0.6% | |
| Blackrock Mid-Cap Growth Equity | — | — | — | $139K | 0.4% | |
| JPMorgan Small Cap Value | — | — | — | $119K | 0.4% | |
| T. Rowe Price Retirement Balanced | — | — | — | $113K | 0.4% | |
| T. Rowe Price Government Money Market | — | — | — | $71K | 0.2% | |
| COHEN & STEERS INSTL REALTY SHARES MUTUAL FUND | — | — | — | $55K | 0.2% | |
| Invesco Gold & Special Minerals | — | — | — | $49K | 0.2% | |
| PIMCO Real Return | — | — | — | $38K | 0.1% | |
| Victory Capital Management Sycamore Established Value | — | — | — | $25K | <0.1% | |
| Alliance Bernstein Global Bond | — | — | — | $14K | <0.1% | |
| PGIM High-Yield | — | — | — | $12K | <0.1% | |
| T. Rowe Price Target Retirement 2005 | — | — | — | $9K | <0.1% | |
| Buffalo Funds Small Cap | — | — | — | $4K | <0.1% |