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Original filing (PDF)20250903164317NAL0015386369001
SAN FRANCISCO OPERA ASSOCIATION
Form 5500
FILING_RECEIVED
SAN FRANCISCO OPERA 403(B) PLAN
401(k) retirement plan
Signals · 1
1 failed disclosure
Active participants
832
Accounts w/ balance
378
Plan assets (EOY)
$21.7M
Net assets (EOY)
$21.7M
How this plan invests
This plan
26 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
90
/ 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
85
Concentration risk
100
Total plan cost
100
Vendor stack
100
Participation health
65
Knocking points off
- 1 Schedule C provider failed to disclose compensation.
- Only 45% as many balances as active participants — suggests many active employees aren't deferring.
Helping the score
- Below-peer total fees (0 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SAN FRANCISCO OPERA ASSOCIATION.
Plan sponsor
Name
SAN FRANCISCO OPERA ASSOCIATION
EIN
94-0836240
Address
301 VAN NESS AVENUE · SAN FRANCISCO, CA · 94102
Phone
(415) 565-3295
Industry
Arts, Entertainment, Recreationsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
005
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-09-03
Pension benefit codes
2G · Total participant-directed accounts
2J · 401(k) feature
2M · 403(b)(7) custodial accounts
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
ARMANINO LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $788 | — |
Failed / refused disclosures (Sched C Part 2)
| Provider | Nondisclosure info |
|---|---|
| — | — |
Investments
26 direct securities· $21.7M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity 500 Index Fund Mutual fund | — | — | — | $2.7M | 12.2% | |
| Fidelity Freedom Index 2035 Fund IPR Mutual fund | — | — | — | $2.1M | 9.8% | |
| Fidelity Freedom Index 2030 Fund IPR Mutual fund | — | — | — | $2.1M | 9.7% | |
| Fidelity Freedom Index 2025 Fund IPR Mutual fund | — | — | — | $2.0M | 9.1% | |
| Fidelity Freedom Index 2040 Fund IPR Mutual fund | — | — | — | $2.0M | 9.1% | |
| Fidelity Freedom Index 2045 Fund IPR Mutual fund | — | — | — | $1.6M | 7.3% | |
| Fidelity Freedom Index 2050 Fund IPR Mutual fund | — | — | — | $1.4M | 6.5% | |
| Fidelity Freedom Index 2020 Fund IPR Mutual fund | — | — | — | $1.2M | 5.5% | |
| Fidelity Contrafund - Class K Mutual fund | — | — | — | $1.1M | 5.2% | |
| Fidelity Freedom Index 2055 Fund IPR Mutual fund | — | — | — | $814K | 3.7% | |
| Fidelity Government Money Market Fund Mutual fund | — | — | — | $719K | 3.3% | |
| Fidelity Freedom Index 2060 Fund IPR Mutual fund | — | — | — | $645K | 3.0% | |
| Fidelity Extended Market Index Fund Mutual fund | — | — | — | $562K | 2.6% | |
| Fidelity Freedom Index 2015 Fund IPR Mutual fund | — | — | — | $408K | 1.9% | |
| Fidelity Small Cap Index Fund Mutual fund | — | — | — | $392K | 1.8% | |
| Fidelity Total Bond Fund Mutual fund | — | — | — | $377K | 1.7% | |
| Fidelity US Bond Index Fund Mutual fund | — | — | — | $281K | 1.3% | |
| Fidelity International Index Fund Mutual fund | — | — | — | $236K | 1.1% | |
| Fidelity Freedom Index 2065 Fund IPR Mutual fund | — | — | — | $202K | 0.9% | |
| Fidelity Freedom Index 2010 Fund IPR Mutual fund | — | — | — | $199K | 0.9% | |
| PAX Sustainable Allocation Inv Mutual fund | — | — | — | $192K | 0.9% | |
| Fidelity Diversified International Fund - Class K Mutual fund | — | — | — | $146K | 0.7% | |
| DFA Emerging Markets Fund I Mutual fund | — | — | — | $146K | 0.7% | |
| Fidelity Freedom Index Income IPR Mutual fund | — | — | — | $133K | 0.6% | |
| Notes receivable from participants October 2029 - | — | — | — | $67K | 0.3% | |
| Lord Abbett Short Duration Income Fund R6 Mutual fund | — | — | — | $31K | 0.1% |
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