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Original filing (PDF)20251010202709NAL0013206256001
BOARD OF TRUSTEES, REDWOOD EMPIRE ELECTRICAL WORKERS
Form 5500
FILING_RECEIVED
REDWOOD EMPIRE ELECTRICAL WORKERS HEALTH & WELFARE TRUST
Health & welfare plan
Signals · 4
81% in single holding~275 bps in Sched C feesNo recordkeeper disclosed12 service providers
Active participants
442
Accounts w/ balance
—
Plan assets (EOY)
$12.7M
Net assets (EOY)
$6.0M
How this plan invests
This plan
4 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
84
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
75
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "Shares Mutual Funds 630,831 DODGE & COX INCOME FUND" is 81% of plan.
- 275 bps in Schedule C fees — 847% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BOARD OF TRUSTEES, REDWOOD EMPIRE ELECTRICAL WORKERS.
Plan sponsor
Name
BOARD OF TRUSTEES, REDWOOD EMPIRE ELECTRICAL WORKERS
DBA
HEALTH & WELFARE TRUST
EIN
23-7071451
Address
2525 CLEVELAND AVE STE C · SANTA ROSA, CA · 95403
Phone
(707) 526-1996
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
501
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-10
Welfare benefit codes
4A · Health (other than dental or vision)
4B · Life Insurance
4D · Dental
4E · Vision
4U · Dependent Care
Audit & trust (Schedule H)
Auditor
MILLER KAPLAN ARASE LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
12 rowsOther
12| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPLOYEE #1 | — | SANTA ROSA, CA | EMPLOYEE | $95K | — |
| EMPLOYEE #2 | — | SANTA ROSA, CA | EMPLOYEE | $77K | — |
| RAEL & LETSON | 94-1701048 | — | NONE | $49K | — |
| MILLER KAPLAN ARASE LLP | 95-2036255 | — | NONE | $25K | — |
| NAVIA BENEFIT SOLUTIONS | 91-1467758 | — | NONE | $25K | — |
| NEYHART, ANDERSON, FLYNN & GROSBOLL | — | SAN FRANCISCO, CA | NONE | $20K | — |
| COMPLIANCE AUDIT SERVICES | 94-3134229 | — | NONE | $19K | — |
| IBEW LOCAL 551 | 94-1104872 | — | RELATED PTY | $15K | — |
| SALTZMAN & JOHNSON | — | CONCORD, CA | NONE | $11K | — |
| VINTAGE COMMUNICATIONS | 47-2450345 | — | NONE | $6K | — |
| DODGE & COX | 94-1441976 | — | NONE | $5K | — |
| INTERCONTINENTAL REAL ESTATE CORP | — | BOSTON, MA | NONE | $0 | — |
Investments
4 direct securities· $9.7M(77% of reported assets)
Uncategorized
$8.7M
3 holdings
Real Estate
$1.0M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Shares Mutual Funds 630,831 DODGE & COX INCOME FUND | — | — | $7.8M | $7.9M | 62.3% | |
| Investment Trust 826 U.S. REAL ESTATE INVESTMENT FUND, LLC | Real Estate | — | $960K | $1.0M | 8.0% | |
| FIDELITY 500 INDEX FUND | — | — | $1.2M | $788K | 6.2% | |
| E.I.N. 23-7071451; PLAN NO. 501 DECEMBER 31, 2024 Face Fair Value Short Term Investment Fund Value Cost $ GOLDMAN FINANCIAL SQUARE TREAS OBLIGATIONS | — | — | $43K | $43K | 0.3% |