California › Information › 100 to 249 participants
Form 5500 statement · plan year 1 Jan 2025 to 31 Dec 2025
Upguard, Inc. 401(k) Plan
Sponsored by Upguard, Inc., Mountain View, CA
Form 5500 information is as filed by the plan administrator with the Department of Labor and may be amended. Figures reflect the plan year shown, not current balances. Form 5500 contains no individual account balances. Look up the original filing at EFAST2.
Upguard, Inc. 401(k) Plan is a 401(k) plan sponsored by Upguard, Inc. of Mountain View, California. For the plan year ending 31 Dec 2025 it reported 156 participants, 95 of them active, and net assets of $5.6M.
Net assets came to $36,113 per participant, well below the $60,207 median for defined contribution plans with 100 to 249 participants and well below the $67,382 median for defined contribution plans in information. The figure is an average across everyone in the plan, including former employees with small balances; Form 5500 holds no individual account data.
Schedule C lists 2 service provider organisations paid $5,000 or more, with reported compensation of $20K: $129 per participant, well below the same-size median of $194. Administrative expenses charged to the plan were $20K. Schedule C does not capture every cost: fees netted from fund returns and fees the employer pays directly are outside it.
The independent accountant's opinion on the financial statements was unmodified (unqualified), from an audit whose scope was limited under ERISA section 103(a)(3)(C) to exclude investment information certified by a bank or insurer.
Compared with similar plans
| Measure | This plan | Same size | Same industry | All US DC plans |
|---|---|---|---|---|
| Net assets per participant | $36,113 | $60,207 | $67,382 | $53,089 |
| Employer contributions per active participant | — | $2,447 | $2,929 | $2,174 |
| Schedule C compensation per participant | $129 | $194 | $121 | $123 |
| Schedule C compensation, share of net assets | 0.36% | 0.32% | 0.19% | 0.26% |
| Administrative expenses per participant | $129 | $176 | $116 | $116 |
Peer columns are medians for plan year 2024 across defined contribution plans with 100 or more participants: 100 to 249 participants (22,054 plans), information (1,831) and all US plans (63,607). Fee medians cover plans that report an amount.
Statement for the year
- Net assets, beginning of year$3,895,064
- Employer contributions—
- Participant contributions$822,295
- Rollovers and other contributions$329,676
- Total contributions$1,151,971
- Total income, including investment results$1,954,732
- Benefits paid$195,587
- Administrative expenses$20,198
- Total expenses$216,222
- Net income$1,738,510
- Net transfers$0
- Net assets, end of year$5,633,574
Participants
- Active participants95
- Retired or separated, receiving benefits0
- Retired or separated, entitled to future benefits61
- Participants with account balances147
- Total participants, end of year156
Fees and service providers
| Organisation | Services reported | Direct | Indirect |
|---|---|---|---|
| Newfront Retirement Service, Inc. | Investment advisory (plan) | $15,738 | $0 |
| The Vanguard Group, Inc. | Participant loan processing; Recordkeeping and information management | $4,459 | $0 |
Schedule C, Part I line 2: providers that received $5,000 or more, with the form's own service codes. Individuals named on Schedule C (plan employees, individual trustees) are never shown and their compensation is excluded. Eligible indirect compensation disclosed by formula carries no dollar amount. See how to read Schedule C fees.
Administrative expenses on Schedule H
- Investment advisory and management fees$15,738
- Contract administrator fees$4,460
- Total administrative expenses$20,198
Investment structure
Assets at year end by Schedule H category. The form shows the kind of vehicle holding the money, not the funds on the menu.
- Registered investment companies (mutual funds)$5.2M · 91.5%
- Cash (interest and non-interest bearing)$448K · 8.0%
- Participant loans$30K · 0.5%
Audit and compliance answers, as filed
- Accountant's opinionUnmodified (unqualified)
- Audit scope limited under ERISA section 103(a)(3)(C)Yes
- Accounting firmSensiba
- Participant contributions reported as transmitted lateNo
- Covered by a fidelity bondYes, $500,000
- Blackout period during the yearNo
These are the plan administrator's own answers on Schedule H, Part IV. A reported late transmittal is the filer's disclosure of a timing lapse, usually corrected through the Department of Labor's voluntary program; the amount is the total involved, not a loss.
Plan characteristics
2S401(k) plan or 403(b) plan that provides for automatic enrollment2EProfit-sharing plan3DPre-approved pension plan2GTotal participant-directed account plan2JCode section 401(k) feature2KCode section 401(m) arrangement2FERISA section 404(c) plan2TTotal or partial participant-directed account plan with a default investment account
Codes entered on Form 5500 line 8a, with the labels from the official instructions. Business code 519100: Other Information Services (including news syndicates, libraries, internet publishing & broadcasting).
Similar plans in California
| Plan | Sponsor | Participants | Net assets | Per participant |
|---|---|---|---|---|
| Nile Global, Inc. 401(k) Plan | Nile Global, Inc. | 157 | $7.1M | $45,175 |
| Independent Television Service, Inc. 403(b) Retirement Plan | Independent Television Service, Inc. | 156 | $20.3M | $129,808 |
| UNIT21, Inc. 401(k) Plan | UNIT21, Inc. | 158 | $5.4M | $34,478 |
| The QT Company 401(k) Plan | The QT Company | 156 | $17.7M | $113,458 |
| Goanimate, Inc. 401(k) Plan | Goanimate, Inc. | 158 | $6.7M | $42,312 |
| KCRW 403(b) DC Plan | KCRW Foundation, Inc. | 155 | $10.3M | $66,499 |
Defined contribution plans in information closest in size.
Questions and answers
How big is Upguard, Inc. 401(k) Plan?
156 participants at the end of the plan year ending 31 Dec 2025, of whom 95 were active employees, with net assets of $5,633,574. Among defined contribution plans that places it in the 100 to 249 participants band, which held 22,054 plans in plan year 2024.
What does Upguard, Inc. contribute per participant?
This filing has no Schedule H financial statement, so employer contributions are not reported here.
What fees does the plan pay and how do they compare?
Schedule C reports $20,197 in compensation to service provider organisations, $129 per participant or 0.36% of net assets. The same-size median among plans reporting any Schedule C compensation was $194 per participant. Administrative expenses on Schedule H were $20,198. Investment costs deducted inside mutual funds and other pooled vehicles are not itemised on Form 5500, so these figures are a floor rather than a full cost.
Who runs the plan?
The sponsor is Upguard, Inc.. Recordkeeping or administration: The Vanguard Group, Inc.. Investment advisory or management: Newfront Retirement Service, Inc.. The financial statements were audited by Sensiba. Form 5500 also names the plan administrator's signer and other individuals; this site publishes organisations only.
Was the audit opinion unqualified?
The filing reports an unmodified (unqualified) opinion from a limited-scope audit, in which the accountant did not audit investment information certified by a bank or insurance company. Unmodified (formerly "unqualified") is the standard clean opinion.
How current is this, and does it show my balance?
This is the Form 5500 for the plan year 1 Jan 2025 to 31 Dec 2025, received by the Department of Labor on 15 Sep 2026. Filings are due seven months after the plan year ends, or nine and a half with an extension, so the public record always runs a year or more behind. It contains plan-level totals only: no individual balances, contributions or names of participants exist in the data.
Provenance
Source: U.S. Department of Labor, Employee Benefits Security Administration, Form 5500 research files (Form 5500, Schedule H, Schedule C) for plan years 2009 to 2025, public domain, with filings received through 24 Sep 2026. This page shows the latest filing on record for EIN 45-4370653, plan 001, received 15 Sep 2026; an amended filing replaces it at the next build. Medians and percentiles are computed by this site; see the methodology. Report an error through corrections.