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Original filing (PDF)20251014151144NAL0004351328001
INTERNATIONAL BAY CLUBS, LLC
Form 5500
FILING_RECEIVED
BALBOA BAY CLUB BARGAINING UNIT PLAN
401(k) retirement plan
Signals · 1
48% in single holding
Active participants
191
Accounts w/ balance
129
Plan assets (EOY)
$3.7M
Net assets (EOY)
$3.7M
How this plan invests
This plan
14 pooled trusts
Schedule D
22 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
92
/ 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
76
Total plan cost
100
Vendor stack
100
Participation health
80
Knocking points off
- Top holding "Massachusetts Mutual Life Insurance Company SF Guaranteed Contract***" is 48% of plan.
- 68% balance-to-active ratio — below typical for a healthy 401(k).
Helping the score
- Below-peer total fees (27 bps vs 52 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for INTERNATIONAL BAY CLUBS, LLC.
Plan sponsor
Name
INTERNATIONAL BAY CLUBS, LLC
EIN
45-5490409
Address
1221 W COAST HWY · NEWPORT BEACH, CA · 926635001
Phone
(949) 645-5000
Industry
Accommodation & Food Servicessee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
003
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
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)
3B · Covers self-employed individuals
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
CLIFTONLARSONALLEN LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $0 | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| THE BALDWIN GROUP WEALTH ADVISORS | — | IRVINE, CA | INVESTMENT ADVISOR | $10K | — |
Investments
10 direct securities · 14 pooled funds· $3.7M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Uncategorized
$2.5M
10 holdings
Common Collective Trust
$753K
10 holdings
Pooled Separate Account
$437K
4 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Massachusetts Mutual Life Insurance Company SF Guaranteed Contract*** | — | — | — | $1.8M | 48.4% | |
| LARGE CAP GROWTH / JP MORGAN INVST EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 141 | Pooled Separate Account | — | — | $247K | 6.6% | |
| LARGE CAP VALUE FUND CLASS R1 GREAT GRAY · EIN 38-4065329 / PN 426 | Common Collective Trust | — | — | $244K | 6.5% | |
| Fidelity Investments 500 Index Fund | — | — | — | $239K | 6.4% | |
| FLEXPATH INDEX+ MODERATE 2045 R1 GREAT GRAY · EIN 47-3071639 / PN 235 | Common Collective Trust | — | — | $192K | 5.1% | |
| DODGE AND COX INCOME - I DODGE AND COX · EIN 90-0779283 / PN 000 | Pooled Separate Account | — | — | $181K | 4.9% | |
| Maturities Ranging from March 2025 through August 2028 - | — | — | — | $177K | 4.7% | |
| FLEXPATH INDEX+ MODERATE RETIRE R1 GREAT GRAY · EIN 47-2851418 / PN 226 | Common Collective Trust | — | — | $97K | 2.6% | |
| Janus Henderson Enterprise N | — | — | — | $93K | 2.5% | |
| FLEXPATH INDEX+ MODERATE 2035 R1 GREAT GRAY · EIN 47-3002484 / PN 232 | Common Collective Trust | — | — | $92K | 2.5% | |
| American Funds International VNTG R6 | — | — | — | $90K | 2.4% | |
| FLEXPATH INDEX+ MODERATE 2055 R1 GREAT GRAY · EIN 47-3188067 / PN 238 | Common Collective Trust | — | — | $70K | 1.9% | |
| MFS Investment Management MFS New Discovery Fund | — | — | — | $43K | 1.1% | |
| SMALL CAP VALUE FUND III FEE CLASS GREAT GRAY · EIN 38-7289846 / PN 001 | Common Collective Trust | — | — | $39K | 1.1% | |
| Fidelity Investments MidCap Index Fund | — | — | — | $30K | 0.8% | |
| Fidelity Investments International Index Fund | — | — | — | $24K | 0.7% | |
| Fidelity Investments Small Cap Index Fund | — | — | — | $19K | 0.5% | |
| MFS Investment Management Global Real Estate Fund | — | — | — | $19K | 0.5% | |
| FLEXPATH INDEX+ AGGRESSIVE 2035 R1 GREAT GRAY · EIN 47-2987118 / PN 231 | Common Collective Trust | — | — | $12K | 0.3% | |
| FLEXPATH INDEX+ AGGRESSIVE RETIRE R GREAT GRAY · EIN 47-2836296 / PN 225 | Common Collective Trust | — | — | $7K | 0.2% | |
| PIMCO INCOME INSTL PIMCO · EIN 90-0779283 / PN 000 | Pooled Separate Account | — | — | $7K | 0.2% | |
| VICTORY SYCAMORE ESTABLISHED VALUE VICTORY CAPITAL · EIN 90-0779283 / PN 000 | Pooled Separate Account | — | — | $2K | <0.1% | |
| FLEXPATH INDEX+ AGGRESSIVE 2025 R1 GREAT GRAY · EIN 47-2935740 / PN 228 | Common Collective Trust | — | — | $0 | <0.1% | |
| FLEXPATH INDEX+ MODERATE 2025 R1 GREAT GRAY · EIN 47-2950747 / PN 229 | Common Collective Trust | — | — | $0 | <0.1% |