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Original filing (PDF)20251004151247NAL0003515168001
HABITAT FOR HUMANITY EAST BAY/SILICON VALLEY INC
Form 5500
FILING_RECEIVED
HABITAT FOR HUMANITY EAST BAY RETIREMENT PLAN
403(b) retirement plan
Signals · 1
~89 bps in Sched C fees
Active participants
82
Accounts w/ balance
121
Plan assets (EOY)
$9.2M
Net assets (EOY)
$9.2M
How this plan invests
This plan
34 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
100
Participation health
100
Knocking points off
- 89 bps in Schedule C fees — 72% above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for HABITAT FOR HUMANITY EAST BAY/SILICON VALLEY INC.
Plan sponsor
Name
HABITAT FOR HUMANITY EAST BAY/SILICON VALLEY INC
EIN
94-3053687
Address
2619 BROADWAY · OAKLAND, CA · 946123107
Phone
(510) 251-6304
Industry
Constructionsee 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
2025-10-04
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2K · 401(m) arrangement
2L · 403(b)(1) annuity
2M · 403(b)(7) custodial accounts
2S · Automatic enrollment
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
LEE CPA AUDIT GROUP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ASCENSUS LLC | 11-3665754 | — | RECORDKEEPER | $12K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| KESTRA FINANCIAL | — | AUSTIN, TX | ADVISOR | $61K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PENSION BENEFIT CONSULTANTS | — | OAKLAND, CA | TPA | $10K | — |
Investments
34 direct securities· $9.2M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| T. Rowe Price Ret 2030 Adv Registered Investment Company | — | — | — | $1.9M | 20.3% | |
| Vanguard Large Cap Index Adm Registered Investment Company | — | — | — | $1.8M | 19.3% | |
| T. Rowe Price Ret 2035 Adv Registered Investment Company | — | — | — | $1.0M | 11.1% | |
| T. Rowe Price Ret 2055 Adv Registered Investment Company | — | — | — | $571K | 6.2% | |
| T. Rowe Price Ret 2040 Adv Registered Investment Company | — | — | — | $535K | 5.8% | |
| T. Rowe Price Ret 2050 Adv Registered Investment Company | — | — | — | $525K | 5.7% | |
| T. Rowe Price Ret 2025 Adv Registered Investment Company | — | — | — | $454K | 4.9% | |
| T. Rowe Price Ret 2045 Adv Registered Investment Company | — | — | — | $439K | 4.8% | |
| Brown Advisory Sustainable Growth Fd Adv Registered Investment Company | — | — | — | $336K | 3.6% | |
| T. Rowe Price All-Cap Opport Inv Registered Investment Company | — | — | — | $271K | 2.9% | |
| Vanguard Value Index Adm Registered Investment Company | — | — | — | $259K | 2.8% | |
| T. Rowe Price Ret 2020 Adv Registered Investment Company | — | — | — | $237K | 2.6% | |
| Vanguard Mid Cap Index Adm Registered Investment Company | — | — | — | $128K | 1.4% | |
| Vanguard Small-Cap Index Adm Registered Investment Company | — | — | — | $123K | 1.3% | |
| T. Rowe Price Global Growth Stock Inv Registered Investment Company | — | — | — | $118K | 1.3% | |
| Vanguard Short-Term Invest Grade Inv Registered Investment Company | — | — | — | $100K | 1.1% | |
| Interest-bearing Cash * Vanguard Investment Management Interest-bearing Cash | — | — | — | $81K | 0.9% | |
| Participant Loans Interest rates at (9.25% ~ 9.50%) $0 | — | — | — | $63K | 0.7% | |
| BlackRock High Yield Bond Inv Registered Investment Company | — | — | — | $45K | 0.5% | |
| Dodge & Cox International Stock Fund I Registered Investment Company | — | — | — | $40K | 0.4% | |
| T. Rowe Price Ret 2015 Adv Registered Investment Company | — | — | — | $31K | 0.3% | |
| Dodge & Cox Income Fund I Registered Investment Company | — | — | — | $19K | 0.2% | |
| Lvip Ssga S&P 500 Index Registered Investment Company | — | — | — | $19K | 0.2% | |
| Lvip T. Rowe Price Structured Mid-Cap Growth Registered Investment Company | — | — | — | $18K | 0.2% | |
| Lvip Delaware Social Awareness Registered Investment Company | — | — | — | $17K | 0.2% | |
| Lvip Delaware Mid Cap Value Fund Registered Investment Company | — | — | — | $17K | 0.2% | |
| Lvip Delaware Smid Cap Core Series Registered Investment Company | — | — | — | $16K | 0.2% | |
| Lvip Dimensional U.S. Core Equity 1 Registered Investment Company | — | — | — | $15K | 0.2% | |
| Registered Investment Companies * Macquarie Small Cap Value Registered Investment Company | — | — | — | $14K | 0.2% | |
| T. Rowe Price Ret 2010 Adv Registered Investment Company | — | — | — | $14K | 0.2% | |
| Fidelity Vip Contrafund Registered Investment Company | — | — | — | $12K | 0.1% | |
| Lvip Macquarie Social Awareness Registered Investment Company | — | — | — | $11K | 0.1% | |
| Lvip Blackrock Dividend Value Mngdvltlty Registered Investment Company | — | — | — | $8K | <0.1% | |
| Lvip Delaware Bond Registered Investment Company | — | — | — | $5K | <0.1% |