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Original filing (PDF)20260313150338NAL0007807857001
ETR ASSOCIATES, INC.
Form 5500
FILING_RECEIVED
ETR ASSOCIATES, INC. 401K PLAN
401(k) retirement plan
Active participants
127
Accounts w/ balance
203
Plan assets (EOY)
$31.8M
Net assets (EOY)
$31.8M
How this plan invests
This plan
70 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 (16 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for ETR ASSOCIATES, INC..
Plan sponsor
Name
ETR ASSOCIATES, INC.
EIN
94-2760764
Address
500 WESTRIDGE DRIVE · SUITE 102 · WATSONVILLE, CA · 95076
Phone
(831) 438-4060
Industry
Educational Servicessee 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
2026-03-13
Pension benefit codes
2E · Profit-sharing
2G · Total participant-directed accounts
2J · 401(k) feature
2R · Participant-directed brokerage (SDBA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
JOHANSON & YAU ACCOUNTANCY CORP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FID. INV. INSTIT. OPERATIONS CO. | 04-2647786 | — | RECORDKEEPER | $50K | — |
Investments
69 direct securities· $31.6M(99% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Freedom 2040 Mutual fund n/a | — | — | — | $6.3M | 19.8% | |
| Fidelity BrokerageLink - Unit fund Mutual fund n/a | — | — | — | $4.4M | 14.0% | |
| Fidelity Freedom 2035 Mutual fund n/a | — | — | — | $2.2M | 7.0% | |
| Fidelity Freedom 2030 Mutual fund n/a | — | — | — | $1.9M | 6.1% | |
| Fidelity BrokerageLink - External fund Mutual fund n/a | — | — | — | $1.6M | 5.1% | |
| Fidelity 500 Index Mutual fund n/a | — | — | — | $1.6M | 4.9% | |
| Fidelity BrokerageLink Government bonds n/a | — | — | — | $1.2M | 3.8% | |
| Fidelity BrokerageLink - Fidelity fund Mutual fund n/a | — | — | — | $1.2M | 3.7% | |
| Fidelity Blue Chip Gr Mutual fund n/a | — | — | — | $1.1M | 3.5% | |
| Fidelity BrokerageLink Interest-bearing cash n/a | — | — | — | $1.0M | 3.2% | |
| Fidelity Float Rt Hi Inc Mutual fund n/a | — | — | — | $755K | 2.4% | |
| Fidelity BrokerageLink Common stocks n/a | — | — | — | $726K | 2.3% | |
| Fidelity Freedom 2055 Mutual fund n/a | — | — | — | $609K | 1.9% | |
| Fidelity Multi Asset Index Mutual fund n/a | — | — | — | $569K | 1.8% | |
| Fidelity Freedom 2025 Mutual fund n/a | — | — | — | $457K | 1.4% | |
| Fidelity Capital & Income Mutual fund n/a 109 * Fidelity Contra Fund Mutual fund n/a | — | — | — | $446K | 1.4% | |
| Fidelity Total Market Index Mutual fund n/a | — | — | — | $436K | 1.4% | |
| Fidelity NASDAQ Comp Index Mutual fund n/a | — | — | — | $424K | 1.3% | |
| Fidelity Diversified International Mutual fund n/a | — | — | — | $421K | 1.3% | |
| Fidelity Freedom 2050 Mutual fund n/a | — | — | — | $394K | 1.2% | |
| Fidelity Sel Technology Mutual fund n/a | — | — | — | $368K | 1.2% | |
| Fidelity US Bond Index Mutual fund n/a | — | — | — | $334K | 1.0% | |
| Fidelity Freedom 2045 Mutual fund n/a | — | — | — | $226K | 0.7% | |
| Fidelity Gov Cash Reserve Interest-bearing cash n/a | — | — | — | $222K | 0.7% | |
| Fidelity Low Priced Stock Mutual fund n/a | — | — | — | $211K | 0.7% | |
| Fidelity Mid Cap Index Mutual fund n/a | — | — | — | $204K | 0.6% | |
| Fidelity Total Bond Mutual fund n/a | — | — | — | $199K | 0.6% | |
| Fidelity Small Cap Index Mutual fund n/a | — | — | — | $150K | 0.5% | |
| Fidelity Stksel Large Cap Value Mutual fund n/a | — | — | — | $147K | 0.5% | |
| Fidelity Ext Market Index Mutual fund n/a | — | — | — | $138K | 0.4% | |
| Fidelity Intl Value Mutual fund n/a 35 * Fidelity Balanced Mutual fund n/a | — | — | — | $121K | 0.4% | |
| Fidelity Freedom 2060 Mutual fund n/a | — | — | — | $104K | 0.3% | |
| Fidelity Short Term Bond Mutual fund n/a 3 * Fidelity Small Cap Discovery Mutual fund n/a | — | — | — | $104K | 0.3% | |
| Fidelity International Cap Apprec Mutual fund n/a | — | — | — | $87K | 0.3% | |
| Fidelity Magellan Mutual fund n/a | — | — | — | $81K | 0.3% | |
| Fidelity Mid Cap Value Mutual fund n/a | — | — | — | $78K | 0.2% | |
| Fidelity Intermed Bond Mutual fund n/a 27 * Fidelity International Small Cap Mutual fund n/a | — | — | — | $75K | 0.2% | |
| Fidelity Dividend Growth Mutual fund n/a 173 * Fidelity Growth Company Mutual fund n/a | — | — | — | $67K | 0.2% | |
| Fidelity Emerging Markets Mutual fund n/a | — | — | — | $66K | 0.2% | |
| Fidelity Sel Biotech Mutual fund n/a | — | — | — | $64K | 0.2% | |
| Fidelity Sel Transport Mutual fund n/a | — | — | — | $63K | 0.2% | |
| Fidelity Fund Mutual fund n/a | — | — | — | $63K | 0.2% | |
| Fidelity Real Estate Invs Mutual fund n/a | — | — | — | $62K | 0.2% | |
| Fidelity Small Cap Stock Mutual fund n/a | — | — | — | $61K | 0.2% | |
| Fidelity Convertible Sec Mutual fund n/a | — | — | — | $49K | 0.2% | |
| Fidelity Invest Gr Bond Mutual fund n/a 10 * Fidelity Small Cap Growth Mutual fund n/a | — | — | — | $47K | 0.1% | |
| Fidelity Emerging Markets Disc Mutual fund n/a | — | — | — | $47K | 0.1% | |
| Fidelity Sel Energy Services Mutual fund n/a 1 * Fidelity Sel Materials Mutual fund n/a 381 * Fidelity Sel Software Mutual fund n/a | — | — | — | $41K | 0.1% | |
| Fidelity Freedom 2020 Mutual fund n/a | — | — | — | $41K | 0.1% | |
| Fidelity Freedom 2010 Mutual fund n/a | — | — | — | $40K | 0.1% | |
| Fidelity Global Credit Mutual fund n/a | — | — | — | $38K | 0.1% | |
| Fidelity International Small Cap Opp Mutual fund n/a | — | — | — | $26K | <0.1% | |
| Fidelity LTD Term Govt Mutual fund n/a | — | — | — | $23K | <0.1% | |
| Fidelity Sel Semiconduct Mutual fund n/a | — | — | — | $23K | <0.1% | |
| Fidelity International Index Mutual fund n/a | — | — | — | $17K | <0.1% | |
| Fidelity BrokerageLink Preferred stocks n/a | — | — | — | $17K | <0.1% | |
| Fidelity Freedom 2065 Mutual fund n/a | — | — | — | $14K | <0.1% | |
| Fidelity Strategic Income Mutual fund n/a | — | — | — | $12K | <0.1% | |
| Fidelity Equity Inc. Mutual fund n/a | — | — | — | $9K | <0.1% | |
| Fidelity Overseas Mutual fund n/a | — | — | — | $9K | <0.1% | |
| Fidelity Govt Money Market Interest-bearing cash n/a | — | — | — | $7K | <0.1% | |
| Fidelity Sel Cons Staples Mutual fund n/a 289 * Fidelity Sel Healthcare Mutual fund n/a | — | — | — | $7K | <0.1% | |
| Fidelity Emerging Markets Index Mutual fund n/a | — | — | — | $6K | <0.1% | |
| Fidelity Small Cap Value Mutual fund n/a | — | — | — | $6K | <0.1% | |
| Fidelity New Markets Income Mutual fund n/a | — | — | — | $3K | <0.1% | |
| Fidelity High Income Mutual fund n/a | — | — | — | $3K | <0.1% | |
| Fidelity GNMA Mutual fund n/a | — | — | — | $2K | <0.1% | |
| Fidelity Intm Tr Bd Index Mutual fund n/a | — | — | — | $2K | <0.1% | |
| Fidelity Lt Tr Bd Index Mutual fund n/a | — | — | — | $2K | <0.1% |
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