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Original filing (PDF)20250819103942NAL0001100371001
NORTHERN CALIFORNIA RETIRED OFFICERS COMMUNITY
Form 5500
FILING_RECEIVED
PARADISE VALLEY ESTATES 401(K) RETIREMENT PLAN
401(k) retirement plan
Active participants
372
Accounts w/ balance
282
Plan assets (EOY)
$16.3M
Net assets (EOY)
$16.3M
How this plan invests
This plan
1 pooled trust
Schedule D
25 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
100
Concentration risk
100
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- 46 bps in Schedule C fees — 57% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for NORTHERN CALIFORNIA RETIRED OFFICERS COMMUNITY.
Plan sponsor
Name
NORTHERN CALIFORNIA RETIRED OFFICERS COMMUNITY
DBA
PARADISE VALLEY ESTATES
EIN
68-0317185
Address
2600 ESTATES DRIVE · FAIRFIELD, CA · 94533
Phone
(707) 432-1100
Industry
Health Care & Social Assistancesee 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
2025-08-19
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)
3D · Pre-approved plan (master / prototype / VS)
2A · Age/service weighted or new comparability
Audit & trust (Schedule H)
Auditor
BAKER TILLY US, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $31K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ARBOR POINT ADVISORS | 46-1050183 | — | ADVISOR | $43K | — |
Investments
25 direct securities · 1 pooled fund· $16.3M(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
$16.3M
25 holdings
Common Collective Trust
$70
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds Target Date 2035 R6 N/R | — | — | — | $2.5M | 15.2% | |
| American Funds Target Date 2050 R6 N/R | — | — | — | $2.1M | 12.8% | |
| American Funds Target Date 2030 R6 N/R | — | — | — | $2.1M | 12.8% | |
| American Funds Target Date 2020 R6 N/R | — | — | — | $1.4M | 8.4% | |
| American Funds Target Date 2025 R6 N/R | — | — | — | $1.3M | 8.0% | |
| Fidelity 500 Index N/R | — | — | — | $1.3M | 7.9% | |
| American Funds Target Date 2045 R6 N/R | — | — | — | $1.0M | 6.4% | |
| American Funds Target Date 2040 R6 N/R | — | — | — | $900K | 5.5% | |
| American Funds Target Date 2055 R6 N/R | — | — | — | $859K | 5.3% | |
| Fidelity FID MID CAP IDX N/R 72 * Fidelity FID INFL PR BD IDX N/R 73 Managed Income MIP CL 2 N/R 70 * Participant Loans Interest rates: 4.25% to 9.50% $0 | — | — | — | $535K | 3.3% | |
| American Funds Target Date 2015 R6 N/R | — | — | — | $463K | 2.8% | |
| American Funds Target Date 2060 R6 N/R | — | — | — | $461K | 2.8% | |
| JPMorgan Large Cap Growth R6 N/R | — | — | — | $265K | 1.6% | |
| JP Morgan Equity Income R6 N/R | — | — | — | $210K | 1.3% | |
| Fidelity Small Cap Growth R6 N/R | — | — | — | $191K | 1.2% | |
| JP Morgan Mid Cap Growth R6 N/R | — | — | — | $171K | 1.1% | |
| American Funds Target Date 2010 R6 N/R | — | — | — | $149K | 0.9% | |
| American Funds Target Date 2065 R6 N/R | — | — | — | $139K | 0.9% | |
| John Hancock Disciplined Value Mid Cap R6 N/R | — | — | — | $86K | 0.5% | |
| American Funds New World R6 N/R | — | — | — | $78K | 0.5% | |
| Fidelity U.S. Bond Index N/R | — | — | — | $63K | 0.4% | |
| Fidelity Total International Index N/R | — | — | — | $30K | 0.2% | |
| Mass Mutual Small Cap Opportunities Fund I N/R | — | — | — | $10K | <0.1% | |
| Fidelity Strategic Income N/R | — | — | — | $4K | <0.1% | |
| UM Behavioral Val R6 N/R | — | — | — | $4K | <0.1% | |
| MIP CL 2 FIDELITY MANAGEMENT TRUST COMPANY · EIN 04-3022712 / PN 024 | Common Collective Trust | — | — | $70 | <0.1% |