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Original filing (PDF)20250707111510NAL0001560435001
CRYSTAL SPRINGS UPLANDS SCHOOL
Form 5500
FILING_RECEIVED
CRYSTAL SPRINGS UPLANDS SCHOOL DEFINED CONTRIBUTION RETIREMENT PLAN
403(b) retirement plan
Active participants
163
Accounts w/ balance
283
Plan assets (EOY)
$49.0M
Net assets (EOY)
$49.0M
How this plan invests
This plan
1 pooled trust
Schedule D
65 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
100
/ 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
100
Vendor stack
100
Participation health
100
Helping the score
- Below-peer total fees (11 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CRYSTAL SPRINGS UPLANDS SCHOOL.
Plan sponsor
Name
CRYSTAL SPRINGS UPLANDS SCHOOL
EIN
94-1247265
Address
400 UPLANDS DRIVE · HILLSBOROUGH, CA · 940106946
Phone
(650) 342-4175
Industry
Educational Servicessee 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
2025-07-07
Pension benefit codes
2L · 403(b)(1) annuity
2M · 403(b)(7) custodial accounts
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
HOOD & STRONG LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TIAA | 13-1624203 | — | RECORDKEEPER | $42K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| THREE BELL CAPITAL, LLC | 45-3567626 | — | ADVISOR | $14K | — |
Investments
62 direct securities · 1 pooled fund· $49.4M(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
$49.0M
62 holdings
Pooled Separate Account
$451K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| TIAA Traditional Non Benefit Responsive Fixed Annuity Contract ^ | — | — | — | $4.5M | 9.2% | |
| Nuveen LfCycle Ix 2045 R6 Mutual Fund ^ | — | — | — | $4.1M | 8.4% | |
| CREF Stock R1 Variable Annuity Contract ^ | — | — | — | $3.9M | 8.0% | |
| Nuveen S&P 500 Index R6 Mutual Fund ^ | — | — | — | $3.1M | 6.3% | |
| Nuveen LfCycle Ix 2040 R6 Mutual Fund ^ | — | — | — | $2.4M | 5.0% | |
| Vanguard Small-Cap Idx Adm Mutual Fund ^ | — | — | — | $2.2M | 4.6% | |
| Nuveen LfCycle Ix 2035 R6 Mutual Fund ^ | — | — | — | $2.1M | 4.3% | |
| Vanguard Equity Income Inv Mutual Fund ^ | — | — | — | $1.8M | 3.7% | |
| TIAA Traditional Benefit Responsive Fixed Annuity Contract ^ | — | — | — | $1.8M | 3.7% | |
| Nuveen LfCycle Ix 2050 R6 Mutual Fund ^ | — | — | — | $1.7M | 3.5% | |
| Vanguard Growth Index Adm Mutual Fund ^ | — | — | — | $1.7M | 3.4% | |
| Nuveen Internatl Eq Idx R6 Mutual Fund ^ | — | — | — | $1.7M | 3.4% | |
| Nuveen LfCycle Ix 2020 R6 Mutual Fund ^ | — | — | — | $1.5M | 3.0% | |
| Nuveen LfCycle Ix 2025 R6 Mutual Fund ^ | — | — | — | $1.4M | 2.9% | |
| CREF Social Choice R1 Variable Annuity Contract ^ | — | — | — | $1.2M | 2.4% | |
| CREF Equity Index R1 Variable Annuity Contract ^ | — | — | — | $1.1M | 2.3% | |
| CREF Global Equities R1 Variable Annuity Contract ^ | — | — | — | $1.1M | 2.3% | |
| CREF Growth R1 Variable Annuity Contract ^ | — | — | — | $1.1M | 2.2% | |
| Nuveen Core Bond R6 Mutual Fund ^ | — | — | — | $993K | 2.0% | |
| College Retirement Equities Fund variable annuities Vanguard Mid-Cap Idx Adm | — | — | — | $913K | 1.9% | |
| Nuveen LfCycle Ix 2030 R6 Mutual Fund ^ | — | — | — | $868K | 1.8% | |
| Vanguard Emr Mkts Stk Idx Adm Mutual Fund ^ | — | — | — | $806K | 1.6% | |
| TIAA Stable Value Fixed Annuity Contract ^ | — | — | — | $621K | 1.3% | |
| Nuveen LfCycle Ix 2060 R6 Mutual Fund ^ | — | — | — | $621K | 1.3% | |
| Parnassus Core Equity Inst Mutual Fund ^ | — | — | — | $620K | 1.3% | |
| Nuveen Real Est Sec Sel R6 Mutual Fund ^ | — | — | — | $536K | 1.1% | |
| TIAA REAL ESTATE TIAA-CREF · EIN 13-1624203 / PN 004 | Pooled Separate Account | — | — | $451K | 0.9% | |
| College Retirement Equities Fund variable annuities TIAA Real Estate | — | — | — | $451K | 0.9% | |
| Nuveen LfCycle Ix 2055 R6 Mutual Fund ^ | — | — | — | $408K | 0.8% | |
| TIAA Access Nuv Lrg Cap Val T4 Variable Annuity Contract ^ | — | — | — | $364K | 0.7% | |
| CREF Core Bond R1 Variable Annuity Contract ^ | — | — | — | $353K | 0.7% | |
| Nuveen LfCycle Ix 2015 R6 Mutual Fund ^ | — | — | — | $306K | 0.6% | |
| TIAA Access Nuv Intl Equity T4 Variable Annuity Contract ^ | — | — | — | $271K | 0.6% | |
| TIAA Access Nuv LifCyc 2035 T4 Variable Annuity Contract ^ | — | — | — | $213K | 0.4% | |
| TIAA Access Nuv Qt Sm Cp Eq T4 Variable Annuity Contract ^ | — | — | — | $199K | 0.4% | |
| CREF Inflation-Linked Bond R1 Variable Annuity Contract ^ | — | — | — | $186K | 0.4% | |
| TIAA Access Nuv Mid Cap Val T4 Variable Annuity Contract ^ | — | — | — | $186K | 0.4% | |
| DFA Inflation ProtSecPortInst Mutual Fund ^ | — | — | — | $161K | 0.3% | |
| College Retirement Equities Fund variable annuities PIMCO Income Fd Institutional | — | — | — | $147K | 0.3% | |
| TIAA Access Nuv Sm Cp Bl Ix T4 Variable Annuity Contract ^ | — | — | — | $146K | 0.3% | |
| TIAA Access Nuv RlEstSecSel T4 Variable Annuity Contract ^ | — | — | — | $136K | 0.3% | |
| TIAA Access Nuv Money Mkt T4 Variable Annuity Contract ^ | — | — | — | $98K | 0.2% | |
| DFA International SmCpVal Inst Mutual Fund ^ | — | — | — | $95K | 0.2% | |
| CREF Money Market R1 Variable Annuity Contract ^ | — | — | — | $89K | 0.2% | |
| TIAA Access Nuv Lrg Cap Gr T4 Variable Annuity Contract ^ | — | — | — | $72K | 0.1% | |
| TIAA Access Nuv LifCyc 2040 T4 Variable Annuity Contract ^ | — | — | — | $71K | 0.1% | |
| TIAA Access Nuv LifCyc 2030 T4 Variable Annuity Contract ^ | — | — | — | $70K | 0.1% | |
| Vanguard Federal Money Mkt Inv Mutual Fund ^ | — | — | — | $62K | 0.1% | |
| Notes Receivable from Participants Interest Rate 5.00% - 9.50% ^ | — | — | — | $61K | 0.1% | |
| TIAA Access Nuv Core Pl Bd T4 Variable Annuity Contract ^ | — | — | — | $53K | 0.1% | |
| TIAA Access Nuv LifCyc 2045 T4 Variable Annuity Contract ^ | — | — | — | $44K | <0.1% | |
| TIAA Access Nuv LifCyc 2050 T4 Variable Annuity Contract ^ | — | — | — | $35K | <0.1% | |
| TIAA Access Nuv LifCyc 2025 T4 Variable Annuity Contract ^ | — | — | — | $28K | <0.1% | |
| College Retirement Equities Fund variable annuities Participant Loan Fund | — | — | — | $27K | <0.1% | |
| TIAA Access Nuv Core Equity T4 Variable Annuity Contract ^ | — | — | — | $24K | <0.1% | |
| TIAA Access Nuv Core Bond T4 Variable Annuity Contract ^ | — | — | — | $19K | <0.1% | |
| TIAA Access Nuv Equity Idx T4 Variable Annuity Contract ^ | — | — | — | $19K | <0.1% | |
| TIAA Access Nuv Mid Cap Grw T4 Variable Annuity Contract ^ | — | — | — | $12K | <0.1% | |
| TIAA Access Nuv Infl Lnk Bd T4 Variable Annuity Contract ^ | — | — | — | $10K | <0.1% | |
| TIAA Access Nuv LgCp Res Eq T4 Variable Annuity Contract ^ | — | — | — | $9K | <0.1% | |
| Nuveen LfCycle Ix 2065 R6 Mutual Fund ^ | — | — | — | $4K | <0.1% | |
| Nuveen LfCycle Ix 2010 R6 Mutual Fund ^ | — | — | — | $2K | <0.1% | |
| TIAA Access Nuv LifCyc 2015 T4 Variable Annuity Contract ^ | — | — | — | $2K | <0.1% |
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