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Original filing (PDF)20251003122347NAL0000801859001
BAY EQUITY, LLC
Form 5500
FILING_RECEIVED
BAY EQUITY 401(K) PLAN
401(k) retirement plan
Signals · 1
1 failed disclosure
Active participants
750
Accounts w/ balance
673
Plan assets (EOY)
$52.1M
Net assets (EOY)
$52.1M
How this plan invests
This plan
21 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
85
Concentration risk
100
Total plan cost
80
Vendor stack
100
Participation health
100
Knocking points off
- 1 Schedule C provider failed to disclose compensation.
- 22 bps in Schedule C fees — modestly above peer band of 16 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BAY EQUITY, LLC.
Plan sponsor
Name
BAY EQUITY, LLC
EIN
26-0360466
Address
770 TAMALPAIS DRIVE · SUITE 207 · CORTE MADERA, CA · 94925
Phone
(415) 820-4525
Industry
Other Services (ex. Public Admin)see 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
2025-10-03
Pension benefit codes
2G · Total participant-directed accounts
2F · ERISA section 404(c)
2J · 401(k) feature
2K · 401(m) arrangement
2E · Profit-sharing
3H · Sponsor in controlled / affiliated group
3D · Pre-approved plan (master / prototype / VS)
2R · Participant-directed brokerage (SDBA)
Audit & trust (Schedule H)
Auditor
ARMANINO LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $66K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NEWFRONT RETIREMENT SERVICES INC | 80-0833114 | — | ADVISOR | $30K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ARMANINO LLP | 94-6214841 | — | ACCOUNTANT/AUDITOR | $17K | — |
Failed / refused disclosures (Sched C Part 2)
| Provider | Nondisclosure info |
|---|---|
| — | — |
Investments
21 direct securities· $52.1M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2070 Mutual Fund ** 847 Vanguard Institutional Index Fund Mutual Fund | — | — | — | $6.2M | 11.9% | |
| Vanguard Target Retirement 2035 Mutual Fund | — | — | — | $6.1M | 11.7% | |
| Vanguard Target Retirement 2040 Mutual Fund | — | — | — | $5.8M | 11.2% | |
| Vanguard Target Retirement 2030 Mutual Fund | — | — | — | $4.3M | 8.2% | |
| Vanguard Target Retirement 2050 Mutual Fund | — | — | — | $4.2M | 8.1% | |
| Vanguard Target Retirement 2045 Mutual Fund | — | — | — | $4.0M | 7.6% | |
| JPMorgan Large Cap Growth Fund;R6 Mutual Fund | — | — | — | $3.6M | 6.9% | |
| Vanguard Target Retirement 2025 Mutual Fund | — | — | — | $2.6M | 5.0% | |
| Notes receivable from participants maturities through November 2034 - | — | — | — | $2.1M | 4.1% | |
| Vanguard Target Retirement 2055 Mutual Fund | — | — | — | $2.0M | 3.9% | |
| Vanguard Extended Market Index Admiral Mutual Fund | — | — | — | $1.9M | 3.7% | |
| Gabelli U.S. Treasury Money Market Fund Mutual Fund | — | — | — | $1.7M | 3.3% | |
| Dodge & Cox Stock X Mutual Fund | — | — | — | $1.5M | 2.9% | |
| Vanguard Target Retirement 2020 Mutual Fund | — | — | — | $1.2M | 2.3% | |
| BlackRock International Fund K Mutual Fund | — | — | — | $1.1M | 2.0% | |
| Janus Henderson Contrarian Fund N Mutual Fund | — | — | — | $934K | 1.8% | |
| Vanguard Target Retirement 2060 Mutual Fund | — | — | — | $908K | 1.7% | |
| Dodge & Cox Income X Mutual Fund | — | — | — | $899K | 1.7% | |
| Brokerage Link Brokerage account | — | — | — | $555K | 1.1% | |
| Vanguard Target Retirement Income Fund Mutual Fund | — | — | — | $390K | 0.7% | |
| Vanguard Target Retirement 2065 Mutual Fund | — | — | — | $154K | 0.3% |