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Original filing (PDF)20260112172837NAL0015387443001
GRAPE EXPECTATIONS
Form 5500
FILING_RECEIVED
GRAPE EXPECTATIONS 401(K) PROFIT SHARING PLAN
401(k) retirement plan
Active participants
111
Accounts w/ balance
172
Plan assets (EOY)
$7.9M
Net assets (EOY)
$7.9M
How this plan invests
This plan
35 pooled trusts
Schedule D
37 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
95
/ 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
80
Vendor stack
100
Participation health
100
Knocking points off
- 70 bps in Schedule C fees — modestly above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for GRAPE EXPECTATIONS.
Plan sponsor
Name
GRAPE EXPECTATIONS
EIN
94-2423490
Address
1091 ESSEX AVENUE · RICHMOND, CA · 94801
Phone
(510) 412-5969
Industry
Wholesale Tradesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-07-01
Tax period
2025-06-30
Filed
2026-01-12
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
BFBA, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA LI COMPANY | 36-6071399 | — | RECORDKEEPER | $32K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MERRILL LYNCH LIFE AGENCY, INC. | 13-2808480 | — | INVESTMENT ADVISOR | $20K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BENEFIT RESOURCES, INC. | 68-0198481 | — | CONTRACT ADMINISTRATOR | $3K | — |
Investments
4 direct securities · 35 pooled funds· $7.7M(98% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Pooled Separate Account
$7.4M
35 holdings
Uncategorized
$330K
4 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| AMERICAN FUNDS 2030 TARGET DATE RET TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $1.6M | 20.3% | |
| STATE ST RUSSELL LG CAP GR INDEX RE TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $954K | 12.1% | |
| TRANSAMERICA PARTNERS STOCK INDEX R TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $706K | 9.0% | |
| AMERICAN FUNDS 2040 TARGET DATE RET TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $506K | 6.4% | |
| AMERICAN FUNDS 2035 TARGET DATE RET TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $492K | 6.3% | |
| AMERICAN FUNDS 2020 TARGET DATE RET TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $329K | 4.2% | |
| AMERICAN FUNDS 2045 TARGET DATE RET TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $329K | 4.2% | |
| JANUS HENDERSON TRITON RET ACCT TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $297K | 3.8% | |
| AMERICAN FUNDS 2050 TARGET DATE RET TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $269K | 3.4% | |
| STATE ST RUSSELL SM CAP GR INDEX RE TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $258K | 3.3% | |
| PRUDENTIAL TOTAL RET BOND RET ACCT TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $247K | 3.1% | |
| AEGON US HIGH YIELD RET ACCT TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $240K | 3.0% | |
| AMERICAN FUNDS EUROPACIFIC GR RET A TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $182K | 2.3% | |
| Notes receivable from participants Loans (4.25% - 9.50%) | — | — | — | $122K | 1.6% | |
| Transamerica Stable Value Core Fund Guaranteed investment contract | — | — | — | $106K | 1.4% | |
| AMERICAN FUNDS 2060 TARGET DATE RET TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $89K | 1.1% | |
| JP Morgan U.S. Equity Fund Pooled-separate account | — | — | — | $80K | 1.0% | |
| JPMORGAN U.S. EQUITY RET ACCT TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $80K | 1.0% | |
| AMERICAN FUNDS AMCAP RET ACCT TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $76K | 1.0% | |
| ALLSPRING CORE PLUS BOND RET ACCT TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $69K | 0.9% | |
| STATE ST U.S. BOND INDEX RET ACCT TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $65K | 0.8% | |
| STATE ST INT'L INDEX RET ACCT TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $61K | 0.8% | |
| HARTFORD SCHRODERS INT'L MITCP VAL TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $59K | 0.8% | |
| AMERICAN FUNDS NEW WORLD RET ACCT TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $55K | 0.7% | |
| VIRTUS NFJ MID-CAP VALUE RET ACCT TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $49K | 0.6% | |
| AMERICAN FUNDS 2055 TARGET DATE RET TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $49K | 0.6% | |
| TRANSAMERICA LRG CAP VAL RET ACCT TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $41K | 0.5% | |
| BLACKROCK MID-CAP GROWTH EQUITY RET TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $36K | 0.5% | |
| STATE ST RUSSELL LG CAP VAL INDEX R TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $35K | 0.4% | |
| AMERICAN FUNDS 2065 TARGET DATE RET TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $32K | 0.4% | |
| STATE ST S&P MID CAP INDEX RET ACCT TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $32K | 0.4% | |
| NEUBERGER BERMAN REAL ESTATE RET AC TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $31K | 0.4% | |
| AMERICAN FUNDS MUTUAL RET ACCT TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $30K | 0.4% | |
| INVESCO DIVERSIFIED RET ACCT TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $29K | 0.4% | |
| STATE ST RUSSELL SM CAP INDEX RET A TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $22K | 0.3% | |
| JP Morgan U.S. Small Company Fund Pooled-separate account | — | — | — | $21K | 0.3% | |
| JPMORGAN U.S. SM COMP RET ACCT TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $21K | 0.3% | |
| AMERICAN FUNDS 2025 TARGET DATE RET TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $10K | 0.1% | |
| AMERICAN FUNDS 2015 TARGET DATE RET TRANSAMERICA FINANCIAL LI COMPANY · EIN 36-6071399 / PN 000 | Pooled Separate Account | — | — | $1K | <0.1% |