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Original filing (PDF)20251030125303NAL0003150656001
SFO FORECAST, INC.
Form 5500
FILING_RECEIVED
THE BAY CO. 401(K) PLAN
401(k) retirement plan
Active participants
228
Accounts w/ balance
137
Plan assets (EOY)
$7.4M
Net assets (EOY)
$7.4M
How this plan invests
This plan
22 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
92
/ 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
80
Knocking points off
- 65 bps in Schedule C fees — modestly above peer band of 52 bps.
- 60% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SFO FORECAST, INC..
Plan sponsor
Name
SFO FORECAST, INC.
EIN
94-3059401
Address
496 JEFFERSON STREET · SAN FRANCISCO, CA · 94109
Phone
(415) 771-5200
Industry
Retail Tradesee 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
2025-10-30
Pension benefit codes
2A · Age/service weighted or new comparability
2E · Profit-sharing
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)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
TURNER, WARREN, HWANG & CONRAD
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA RETIREMENT SOLUTIONS | 13-3689044 | — | RECORDKEEPER | $19K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TURNER, WARREN, HWANG & CONRAD | 95-4083485 | — | AUDITOR | $30K | — |
Investments
22 direct securities· $7.2M(97% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Capital Group AMERICAN FUNDS BOND FUND OF AMER R4 | — | — | — | $1.7M | 22.3% | |
| Transamerica Life Insurance Company TRANSAMERICA STABLE VALUE CORE ACCOUNT | — | — | — | $960K | 13.0% | |
| Invesco CAPITAL APPRECIATION A | — | — | — | $879K | 11.9% | |
| BlackRock ADVANTAGE LARGE CAP VALUE A | — | — | — | $857K | 11.6% | |
| Vanguard 500 INDEX ADMIRAL | — | — | — | $500K | 6.8% | |
| BlackRock ADVANTAGE LARGE CAP CORE A | — | — | — | $404K | 5.4% | |
| Capital Group AMERICAN FUNDS US GOVERNMENT SEC R4 | — | — | — | $372K | 5.0% | |
| American Century Investments AMERICAN CENTURY INFL ADJ BOND A | — | — | — | $372K | 5.0% | |
| MFS RESEARCH INTERNATIONAL A | — | — | — | $216K | 2.9% | |
| John Hancock Investments JHANCOCK INTL GROWTH R2 | — | — | — | $190K | 2.6% | |
| Invesco DEVELOPING MARKETS A | — | — | — | $112K | 1.5% | |
| Invesco DISCOVERY A | — | — | — | $98K | 1.3% | |
| American Century Investments AMERICAN CENTURY SMALL CAP VALUE A | — | — | — | $97K | 1.3% | |
| Macquarie SMALL CAP CORE A | — | — | — | $96K | 1.3% | |
| Vanguard EXTENDED MARKET INDEX ADMIRAL | — | — | — | $84K | 1.1% | |
| John Hancock Investments JHANCOCK DISCIPLINED VALUE MID CAP A | — | — | — | $74K | 1.0% | |
| Franklin Templeton FRANKLIN SMALL-MID CAP GROWTH A | — | — | — | $71K | 1.0% | |
| Vanguard TARGET RETIREMENT 2030 INVESTOR | — | — | — | $44K | 0.6% | |
| Victory Capital Management VICTORY MUNDER INTERNATIONAL SM-CP A | — | — | — | $36K | 0.5% | |
| Capital Group AMERICAN FUNDS SMALLCAP WORLD R4 | — | — | — | $35K | 0.5% | |
| Janus Henderson JANUS HENDERSON BALANCED A 119 Vanguard TARGET RETIREMENT 2055 INVESTOR | — | — | — | $5K | <0.1% | |
| Transamerica Life Insurance Company CASH RESERVE ACCOUNT | — | — | — | $2K | <0.1% |
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