Original filing (PDF)20251013135735NAL0001373201001

INSURANCE AND BENEFITS TRUST OF THE PORAC - NON-SAFETY

Name: INSURANCE AND BENEFITS TRUST OF THE PORAC - NON-SAFETY — Form 5500 (2024)
Creator: INSURANCE AND BENEFITS TRUST OF THE PORAC - NON-SAFETY

Form 5500

FILING_RECEIVED

Health & welfare plan

Signals · 4

1 failed disclosure~1339 bps in Sched C feesNo recordkeeper disclosed7 service providers

Active participants

1,411

Accounts w/ balance

—

Plan assets (EOY)

$1.0M

Net assets (EOY)

$800K

How this plan invests

This plan

41 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score

Below-average — multiple flags

Directional indicator from public Form 5500 data — compliance & integrity, total plan cost, participant health and vendor stack, benchmarked against same-size peers. Not a fiduciary tool.

Compliance & integrity

Total plan cost

Plan health

Vendor & structure

100

Knocking points off

1 Schedule C provider failed to disclose compensation.
Total administrative cost in the bottom quartile of peers (2nd percentile).
Bottom-decile employer contributions per participant (7th percentile).

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for INSURANCE AND BENEFITS TRUST OF THE PORAC - NON-SAFETY.

Plan sponsor

Name

INSURANCE AND BENEFITS TRUST OF THE PORAC - NON-SAFETY

EIN

68-6068469

Address

2960 ADVANTAGE WAY · SACRAMENTO, CA · 95834

Phone

(800) 655-6397

Industry

Finance & Insurancesee all

Plan administrator

Same as plan sponsor.

Plan characteristics

Plan number

502

Plan year

2024

Plan year begin

2024-01-01

Tax period

2024-12-31

Filed

2025-10-13

Welfare benefit codes

4B · Life Insurance

4F · Temporary Disability (accident and sickness)

4H · Long-Term Disability

4L · Death Benefits (other than life insurance)

Audit & trust (Schedule H)

Auditor

WITHUMSMITH+BROWN, PC

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

7 rows

Other service providers

Name	EIN	Location	Relation	Direct comp	Indirect comp
IBT HEALTH PLAN	68-6068469	—	RELATED PLAN	$56K	—
MYERS-STEVENS TOOHEY & CO INC	95-2637676	—	NONE	$30K	—
WAGNER LAW GROUP	04-3323315	—	NONE	$16K	—
WITHUMSMITH+BROWN PC	22-2027092	—	NONE

Failed / refused disclosures (Sched C Part 2)

Provider	Nondisclosure info
MYERS-STEVENS TOOHEY & CO INC	THE SERVICE PROVIDER DID NOT PROVIDE AMOUNT OF DIRECT OR INDIRECT COMPENSATION RECEIVED.

Investments

41 direct securities· $8.2M(100% of reported assets)

Other securities

$7.5M

37 holdings

U.S. Treasuries

$387K

1 holding

Common Stock

$146K

1 holding

Mutual Funds

$111K

1 holding

Cash / Money Market

$13K

1 holding

					% of plan
Blackrock High Yield Bond Mutual fund	Other securities	—	$509K	$477K	47.5%
Pimco Income Fund Class I2 Mutual fund	Other securities	—	$488K	$430K	42.8%
Pimco International Bond Fund Mutual fund	Other securities	—	$434K	$407K	40.5%
Invesco QQQ Trust Etf Mutual fund	Other securities	—	$144K	$399K	39.7%
Pimco Investment Grade Credit Bond Fund I-2 Mutual fund	U.S. Treasuries	—	$449K	$387K	38.5%
Vanguard Long Term Investment Grade Fund Admiral Mutual fund	Other securities	—	$486K	$362K	36.0%
Vanguard 500 Index Fund Admiral Mutual fund	Other securities	—	$223K	$353K	35.1%
Spdr S&P 500 Etf Tr Mutual fund	Other securities	—	$150K	$297K	29.5%
Vanguard Total Stock Mkt Etf Mutual fund	Other securities	—	$154K	$293K	29.1%
Vanguard Divid Appreciation Etf Mutual fund	Other securities	—	$159K	$270K	26.9%
Spdr Dow Jones Indl Average Etf Ser 1 Mutual fund	Other securities	—	$147K	$239K	23.7%
Ishares Core S&P Midcap Etf Mutual fund	Other securities	—	$150K	$234K	23.3%
Spdr S&P Dividend Etf Mutual fund	Other securities	—	$173K	$219K	21.8%
Amer Fund the Bond Fund of America Class F2 Mutual fund	Other securities	—	$217K	$209K	20.8%
Ishares Russell 2000 Etf Mutual fund	Other securities	—	$147K	$205K	20.4%
American Funds Strategic Bond FD CL F2 Mutual fund	Other securities	—	$220K	$200K	19.9%
Vanguard Mid-Cap Index Fund Admiral Mutual fund	Other securities	—	$153K	$190K	18.9%
Ishares Misc Eafe Etf Mutual fund	Other securities	—	$164K	$178K	17.7%
Vanguard Ftse All World Ex-Us Etf Mutual fund	Other securities	—	$164K	$174K	17.3%
Vanguard Emerging Markets Bond Fund Class Admiral Mutual fund	Other securities	—	$201K	$174K	17.3%
Vanguard Tax-Managed Capital Appreciation Mutual fund	Other securities	—	$90K	$170K	16.9%
Vanguard Ftse Emerging Markets Etf Mutual fund	Other securities	—	$164K	$164K	16.3%
Parnassus Core Equity Fund Class Investor Mutual fund	Other securities	—	$142K	$161K	16.0%
Vanguard Real Estate Etf Mutual fund	Other securities	—	$154K	$154K	15.3%
Vanguard Growth Index Fund Admiral Mutual fund	Other securities	—	$84K	$151K	15.0%
Vanguard Large Cap Index Fund Admiral Mutual fund	Other securities	—	$83K	$148K	14.7%
Vanguard Value Index Fund Admiral Mutual fund	Other securities	—	$93K	$146K	14.5%
BNY Mellon Appreciation Fund Inc - Class I Mutual fund	Common Stock	—	$143K	$146K	14.5%
Janus Henderson Enterprise Fund Class I Shares Mutual fund	Other securities	—	$124K	$125K	12.4%
Vanguard Dividend Apprec Idx Admiral Mutual fund	Other securities	—	$79K	$122K	12.2%
T Rowe Price Dividend Growth Fund Mutual fund	Other securities	—	$88K	$121K	12.0%
Vanguard Mid-Cap Value Index Adm Mutual fund	Other securities	—	$81K	$119K	11.9%
Vanguard Tax-Managed Small Cap Adm Mutual fund	Other securities	—	$73K	$114K	11.4%
Amer Funds New Perspective Fund Class F2 Mutual fund	Mutual Funds	—	$89K	$111K	11.1%
Vanguard Dividend Growth Fund Mutual fund	Other securities	—	$101K	$111K	11.1%
Vanguard Developed Markets Index Fund Class Admiral Mutual fund	Other securities	—	$98K	$110K	11.0%
Vanguard International Growth Fund Admiral Mutual fund	Other securities	—	$91K	$85K	8.5%
Amer Funds New World Fund Class F2 Mutual fund	Other securities	—	$69K	$79K	7.8%
Fidelity Advisor Intl Small Cap Fund Class I Mutual fund	Other securities	—	$67K	$76K	7.6%
Cohen & Steers Real Estate Securities Fund Class I Mutual fund	Other securities	—	$71K	$75K	7.5%
Money market deposit accounts Liquid Assets Govt Fund Money market deposit acct	Cash / Money Market	—	$13K	$13K	1.3%