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Original filing (PDF)20251015003103NAL0005161616001
BOARD OF TRUSTEES WESTERN STATES INSULATORS AND ALLIED WORKERS INDIV
Form 5500
FILING_RECEIVED
WESTERN STATES INSULATORS AND ALLIED WORKERS INDIVIDUAL ACCOUNT PLAN
Defined-contribution retirement plan
Signals · 2
No recordkeeper disclosed9 service providers
Active participants
7,048
Accounts w/ balance
6,600
Plan assets (EOY)
$486.9M
Net assets (EOY)
$486.8M
How this plan invests
This plan
5 pooled trusts
Schedule D
20 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
100
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- 19 bps in Schedule C fees — 90% above peer band of 10 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BOARD OF TRUSTEES WESTERN STATES INSULATORS AND ALLIED WORKERS INDIV.
Plan sponsor
Name
BOARD OF TRUSTEES WESTERN STATES INSULATORS AND ALLIED WORKERS INDIV
EIN
51-0155190
Address
7180 KOLL CENTER PARKWAY, #200 · PLEASANTON, CA · 945663184
Phone
(800) 320-0184
Industry
Constructionsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-15
Pension benefit codes
2C · Money purchase (other than target benefit)
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
WITHUMSMITH+BROWN, PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
9 rowsOther
9| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BENESYS ADMINISTRATORS | 38-2383171 | — | NONE | $430K | — |
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | NONE | $202K | — |
| WITHUMSMITH+BROWN, PC | 22-2027092 | — | NONE | $94K | — |
| KRAW LAW GROUP, APC | 32-0465891 | — | NONE | $79K | — |
| MEKETA INVESTMENT GROUP, INC. | 04-2659023 | — | NONE | $50K | — |
| SMART SOURCE LLC | 30-0830429 | — | NONE | $24K | — |
| COMPLIANCE VERIFICATION | 26-2336426 | — | NONE | $24K | — |
| IRON MOUNTAIN | 23-2588479 | — | NONE | $19K | — |
| STEPHEN HORN INSURANCE SERVICES | 94-3249244 | — | NONE | $0 | — |
Investments
16 direct securities · 5 pooled funds· $507.1M(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
$421.4M
16 holdings
Common Collective Trust
$43.9M
2 holdings
103-12 Investment Entity
$25.7M
1 holding
Pooled Separate Account
$16.2M
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Total Market Index Fund N/A | — | — | — | $111.4M | 22.9% | |
| Fidelity U.S Bond Market Index Fund N/A | — | — | — | $48.9M | 10.1% | |
| Funds Held in Insurance Company General Account ** Mass Mutual SAGIC Diversified Bond N/A | — | — | — | $43.8M | 9.0% | |
| Registered Investment Companies Fidelity 500 Index Fund (S&P 500) N/A | — | — | — | $42.9M | 8.8% | |
| Fidelity Global ex US Index Fund N/A | — | — | — | $37.6M | 7.7% | |
| GQC PARTNERS EMERGING MARKETS EQUIT RELIANCE TRUST COMPANY · EIN 82-6258259 / PN 012 | Common Collective Trust | — | — | $33.5M | 6.9% | |
| Fidelity Inflation- Protected Securities Fund N/A | — | — | — | $28.1M | 5.8% | |
| 103-12 Investment Entities PGIM Retirement Real Estate Fund N/A | — | — | — | $25.7M | 5.3% | |
| PRREF II LP PGIM RETIREMENT REAL ESTATE FUND · EIN 83-1921274 / PN 001 | 103-12 Investment Entity | — | — | $25.7M | 5.3% | |
| American Funds American Century High Income R6 N/A | — | — | — | $16.5M | 3.4% | |
| Fidelity LgTrm Treasury Bnd Indx Fd N/A | — | — | — | $15.7M | 3.2% | |
| Dodge & Cox Dodge & Cox Int'l Stock Fund N/A | — | — | — | $14.0M | 2.9% | |
| PIMCO Commodity Real Return Strategic Fund N/A | — | — | — | $10.8M | 2.2% | |
| Shenkman Capital Shenkman Capital Floating Rate High Fund N/A | — | — | — | $10.7M | 2.2% | |
| EMERGING MARKETS BOND COLLECTIVE FU GLOBAL TRUST COMPANY · EIN 37-6667944 / PN 001 | Common Collective Trust | — | — | $10.4M | 2.1% | |
| MID CAP GROWTH/WESTFIELD CAPITAL FU EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 560 | Pooled Separate Account | — | — | $10.3M | 2.1% | |
| Fidelity MidCap Index N/A | — | — | — | $7.9M | 1.6% | |
| CAPITAL GROUP EUROPACIFIC GROWTH SA CAPITAL BANK AND TRUST COMPANY · EIN 95-6597294 / PN 661 | Pooled Separate Account | — | — | $5.9M | 1.2% | |
| Champlain Small Company Institutional N/A | — | — | — | $3.1M | 0.6% | |
| Fidelity SmallCap Index N/A | — | — | — | $2.9M | 0.6% | |
| Interest-bearing Cash Fremont Bank Reserve Account N/A 3.35% N/A | — | — | $1.4M | $1.4M | 0.3% |