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Original filing (PDF)20251015004514NAL0001860403001
WESTERN STATES 401(K) RETIREMENT FUND OF THE OPEIU BOARD OF TRUSTEES
Form 5500
FILING_RECEIVED
WESTERN STATES 401(K) RETIREMENT FUND OF THE OPEIU
401(k) retirement plan
Signals · 2
No recordkeeper disclosed7 service providers
Active participants
383
Accounts w/ balance
1,505
Plan assets (EOY)
$68.6M
Net assets (EOY)
$68.6M
How this plan invests
This plan
1 pooled trust
Schedule D
23 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
- 74 bps in Schedule C fees — 365% above peer band of 16 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for WESTERN STATES 401(K) RETIREMENT FUND OF THE OPEIU BOARD OF TRUSTEES.
Plan sponsor
Name
WESTERN STATES 401(K) RETIREMENT FUND OF THE OPEIU BOARD OF TRUSTEES
EIN
93-6026077
Address
5331 S MACADAM AVE STE 258 · PMB# 116 · PORTLAND, OR · 97239
Phone
(503) 224-0048
Industry
Admin Support & Waste Mgmtsee 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
2025-10-15
Pension benefit codes
2J · 401(k) feature
2G · Total participant-directed accounts
2T · Default investment account (QDIA)
2E · Profit-sharing
Audit & trust (Schedule H)
Auditor
WITHUMSMITH+BROWN, P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
7 rowsOther
7| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| JOHN HANCOCK RETIREMENT PLAN SERVIC | 01-0233346 | — | NONE | $193K | — |
| BENESYS, INC. | 38-2383171 | — | NONE | $119K | — |
| VERUS ADVISORY, INC. | 91-1320111 | — | NONE | $58K | — |
| WITHUMSMITH+BROWN, PC | 22-2027092 | — | NONE | $53K | — |
| PLATFORM CPA | — | HOLLADAY, UT | NONE | $43K | — |
| MONDRESS MONACO PARR LOCKWOOD | 91-1917286 | — | NONE | $36K | — |
| J.B. NIBLEY INSURANCE | 93-0494041 | — | NONE | $8K | — |
Investments
22 direct securities · 1 pooled fund· $68.2M(99% 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
$66.3M
22 holdings
Pooled Separate Account
$1.9M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Ret 2025 Fund Mutual Fund - | — | — | — | $7.3M | 10.6% | |
| Vanguard Target Ret 2030 Fund Mutual Fund - | — | — | — | $5.8M | 8.5% | |
| Vanguard Target Ret 2035 Fund Mutual Fund - | — | — | — | $5.6M | 8.1% | |
| JP Morgan U.S. Equity Fd R6 Mutual Fund - | — | — | — | $5.3M | 7.8% | |
| Vanguard Target Ret 2040 Fund Mutual Fund - | — | — | — | $5.2M | 7.6% | |
| T Rowe Price Lrg Cap Grwth I Mutual Fund - | — | — | — | $4.9M | 7.2% | |
| Vanguard Mid Cap Index Adm Mutual Fund - | — | — | — | $4.1M | 6.0% | |
| Vanguard Target Ret 2045 Fund Mutual Fund - | — | — | — | $4.0M | 5.9% | |
| Registered Investment Companies PIMCO Total Return Instl Mutual Fund - | — | — | — | $3.9M | 5.7% | |
| Vanguard Target Ret Income Fd Mutual Fund - | — | — | — | $3.7M | 5.4% | |
| Dodge & Cox Stock Fund X Mutual Fund - | — | — | — | $2.7M | 4.0% | |
| MFS Total Return Fund R6 Mutual Fund - | — | — | — | $2.2M | 3.2% | |
| Vanguard Target Ret 2055 Fund Mutual Fund - | — | — | — | $2.2M | 3.2% | |
| Vanguard Target Ret 2050 Fund Mutual Fund - | — | — | — | $2.1M | 3.0% | |
| Vanguard Target Ret 2020 Fund Mutual Fund - | — | — | — | $2.0M | 3.0% | |
| NEW YORK LIFE ANCHOR ACCOUNT IV NEW YORK LIFE INSURANCE COMPANY · EIN 13-5582869 / PN 125 | Pooled Separate Account | — | — | $1.9M | 2.8% | |
| American EuroPacific Growth R6 Mutual Fund - | — | — | — | $1.7M | 2.4% | |
| Vanguard Sm Cap Val Ind Adm Mutual Fund - | — | — | — | $1.5M | 2.1% | |
| Vanguard Target Ret 2060 Fund Mutual Fund - | — | — | — | $1.1M | 1.6% | |
| Vanguard Target Ret 2065 Fund Mutual Fund - | — | — | — | $340K | 0.5% | |
| Vanguard Small Growth Adml Mutual Fund - | — | — | — | $293K | 0.4% | |
| Various participants Participant Loans - Loan Fund (4.25% - 9.25%) - | — | — | — | $118K | 0.2% | |
| Vanguard Target Ret 2070 Fund Mutual Fund - | — | — | — | $105K | 0.2% |