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Original filing (PDF)20251015222007NAL0005670721001
MERCED COUNTY COMMUNITY ACTION BOARD
Form 5500
FILING_RECEIVED
M.C.C.A.B. 403(B) PLAN
403(b) retirement plan
Signals · 2
~113 bps in Sched C feesNo recordkeeper disclosed
Active participants
186
Accounts w/ balance
141
Plan assets (EOY)
$2.9M
Net assets (EOY)
$2.9M
How this plan invests
This plan
53 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
- 113 bps in Schedule C fees — 117% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for MERCED COUNTY COMMUNITY ACTION BOARD.
Plan sponsor
Name
MERCED COUNTY COMMUNITY ACTION BOARD
EIN
94-2183288
Address
P.O. BOX 2085 · MERCED, CA · 953440085
Phone
(559) 723-4565
Industry
Other Services (ex. Public Admin)see all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-15
Pension benefit codes
2A · Age/service weighted or new comparability
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2M · 403(b)(7) custodial accounts
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
KAKU & MARSINO, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsOther
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NATIONWIDE | 31-4156830 | COLUMBUS, OH | N/A | $18K | — |
| RAYMOND JAMES FIN SERV ADVISORS | 59-2937883 | SAINT PETERSBURG, FL | N/A | $14K | — |
| NEXUS ADMINISTRATORS, INC. | 77-0586222 | FRESNO, CA | N/A | $923 | — |
Investments
53 direct securities· $2.9M(99% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| AmFds 2025 TrgtDtRtrmt R6 | — | — | — | $357K | 12.1% | |
| AmFds 2035 TrgtDtRtrmt R6 | — | — | — | $257K | 8.7% | |
| AmFds 2050 TrgtDtRtrmt R6 | — | — | — | $181K | 6.1% | |
| Fid 500 Indx | — | — | — | $168K | 5.7% | |
| Fid US Bd Indx | — | — | — | $140K | 4.8% | |
| PGIM Ttl Rtn Bd R6 | — | — | — | $120K | 4.1% | |
| DodgeCox Intl Stk | — | — | — | $101K | 3.4% | |
| Gdmnscs Gqgptnrintloppr R6 | — | — | — | $99K | 3.4% | |
| Fid Intl Indx | — | — | — | $99K | 3.4% | |
| NW Loomis AllCap Gr R6 | — | — | — | $93K | 3.2% | |
| Avants US Lgcap Val Inst | — | — | — | $89K | 3.0% | |
| Parnassus Cor Eq Inst | — | — | — | $89K | 3.0% | |
| JPM LGCAP GR R6 | — | — | — | $83K | 2.8% | |
| Avnts Emer Mkt Eq Inst | — | — | — | $79K | 2.7% | |
| JPM Eq Inc R5 | — | — | — | $79K | 2.7% | |
| PIMCO Real Rtn Inst | — | — | — | $70K | 2.4% | |
| AmFds 2030 TrgtDtRtrmt R6 | — | — | — | $67K | 2.3% | |
| AmFds 2055 TrgtDtRtrmt R6 | — | — | — | $65K | 2.2% | |
| Blackrock High Yield Portfolio Class K | — | — | — | $61K | 2.1% | |
| BlkRk Ttl Rtn K | — | — | — | $60K | 2.0% | |
| Putnam Large Cap Growth Fund | — | — | — | $55K | 1.9% | |
| AmFds Wshngtn Mut Inv R6 | — | — | — | $54K | 1.8% | |
| MFS MdCap Gr R6 | — | — | — | $49K | 1.7% | |
| Prncpl Glbl Realest R6 | — | — | — | $49K | 1.7% | |
| Diamond Hill MdCap I | — | — | — | $46K | 1.6% | |
| Legal & General Commodity Strat Fd Instl | — | — | — | $41K | 1.4% | |
| Fed Hrms Gov Oblgtns Prmr | — | — | — | $38K | 1.3% | |
| AmFds 2010 TrgtDtRtrmt R6 | — | — | — | $36K | 1.2% | |
| AB Glbl Bd I | — | — | — | $30K | 1.0% | |
| Vngrd Explr Adml | — | — | — | $27K | 0.9% | |
| Fid Asst Mgr 50 I | — | — | — | $26K | 0.9% | |
| Avnts US Smcap Val Inst | — | — | — | $25K | 0.8% | |
| AmFds 2045 TrgtDtRtrmt R6 | — | — | — | $18K | 0.6% | |
| Vngrd Val Indx Adml | — | — | — | $15K | 0.5% | |
| AmFds 2060 TrgtDtRtrmt R6 | — | — | — | $12K | 0.4% | |
| Fed Hrms Inst HiYldBd Inst | — | — | — | $6K | 0.2% | |
| DFA Infl Prtct Sec Inst | — | — | — | $6K | 0.2% | |
| Vngrd Ttl IntlStkIndx Adml | — | — | — | $5K | 0.2% | |
| PIMCO Intl BdUSDlrHdgInst | — | — | — | $5K | 0.2% | |
| Invscor Cor Bd Y | — | — | — | $5K | 0.2% | |
| PIMCO LngDur TtlRtn Inst | — | — | — | $4K | 0.1% | |
| EUPAC Fund - Class R6 | — | — | — | $3K | 0.1% | |
| AmFds Cap Wld Bd R6 | — | — | — | $3K | <0.1% | |
| AmFds 2040 TrgtDtRtrmt R6 | — | — | — | $2K | <0.1% | |
| JPM Emrg Mkt Eq R6 | — | — | — | $2K | <0.1% | |
| Virtus Crdex MdCpValEq R6 | — | — | — | $2K | <0.1% | |
| AmFds New Prspct R6 | — | — | — | $2K | <0.1% | |
| Vngrd Strat Eq Inv | — | — | — | $2K | <0.1% | |
| VNGRD Smcap Val Index | — | — | — | $321 | <0.1% | |
| VNGRD St Bd Inx Adml | — | — | — | $269 | <0.1% | |
| DFA Emrg Mkt Cor Eq Inst | — | — | — | $29 | <0.1% | |
| Pimcocomdyrealrtnstratinst | — | — | — | $19 | <0.1% | |
| AB Glbl Bd I | — | — | — | $5 | <0.1% |
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