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Original filing (PDF)20250915125902NAL0003007570001
MENLO SCHOOL
Form 5500
FILING_RECEIVED
MENLO SCHOOL DEFINED CONTRIBUTION RETIREMENT PLAN
403(b) retirement plan
Active participants
248
Accounts w/ balance
526
Plan assets (EOY)
$111.2M
Net assets (EOY)
$111.2M
How this plan invests
This plan
1 pooled trust
Schedule D
90 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
- 22 bps in Schedule C fees — 121% above peer band of 10 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for MENLO SCHOOL.
Plan sponsor
Name
MENLO SCHOOL
EIN
94-3204137
Address
50 VALPARAISO AVENUE · ATHERTON, CA · 940274401
Phone
(650) 330-2000
Industry
Educational Servicessee 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
2025-09-15
Pension benefit codes
2G · Total participant-directed accounts
2L · 403(b)(1) annuity
2M · 403(b)(7) custodial accounts
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
CBIZ
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TIAA-TEACHERS INS & ANNUITY ASSOC | 13-1624203 | NEW YORK, NY | RECORDKEEPER | $170K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MORGAN STANLEY DOMESTIC HOLDINGS | 20-8764829 | NEW YORK, NY | INVESTMENT MANAGEMENT | $76K | — |
Investments
76 direct securities · 1 pooled fund· $111.6M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Uncategorized
$60.2M
61 holdings
Mutual Funds
$50.9M
15 holdings
Pooled Separate Account
$562K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Company Nuveen Lfcyle Idx 2040-Inst Registered Investment | Mutual Funds | — | — | $10.0M | 9.0% | |
| Company Nuveen Lfcyle Idx 2035-Inst Registered Investment | Mutual Funds | — | — | $8.8M | 7.9% | |
| S NUVEEN LFCYCLE IX 2030 R6 | Mutual Funds | — | — | $8.2M | 7.4% | |
| Company Nuveen Lfcyle Idx 2045-Inst Registered Investment | Mutual Funds | — | — | $7.6M | 6.9% | |
| CREF Stock R2 Registered Investment | — | — | — | $7.1M | 6.4% | |
| Company Vanguard 500 Idx Adm Registered Investment | — | — | — | $6.4M | 5.7% | |
| Company Nuveen Lfcyle Idx 2050-Inst Registered Investment | Mutual Funds | — | — | $5.7M | 5.2% | |
| Responsive * TIAA Traditional Non- | — | — | — | $4.5M | 4.0% | |
| Company * CREF Growth R2 Registered Investment | — | — | — | $4.2M | 3.8% | |
| S NUVEEN LFCYCLE IX 2025 R6 | Mutual Funds | — | — | $3.5M | 3.1% | |
| TIAA Traditional Benefit | — | — | — | $3.4M | 3.1% | |
| S NUVEEN LFCYCLE IX 2055 R6 | Mutual Funds | — | — | $2.5M | 2.2% | |
| Company * CREF Equity Index R2 Registered Investment | — | — | — | $2.3M | 2.1% | |
| Benefit Responsive * TIAA Traditional Non- | — | — | — | $2.3M | 2.1% | |
| Company * CREF Money Market R2 Registered Investment | — | — | — | $1.9M | 1.7% | |
| Company Vanguard Small-Cap Idx Adm Registered Investment | — | — | — | $1.7M | 1.5% | |
| Company * CREF Global Equities R2 Registered Investment | — | — | — | $1.7M | 1.5% | |
| Company Vanguard Value Index Adm Registered Investment | — | — | — | $1.6M | 1.4% | |
| Company Vanguard Real Estate Idx Adm Registered Investment | — | — | — | $1.6M | 1.4% | |
| S NUVEEN LFCYCLE IX 2020 R6 | Mutual Funds | — | — | $1.5M | 1.4% | |
| Company Vanguard Devlopd Mkts Idx Adm Registered Investment | — | — | — | $1.5M | 1.3% | |
| S NUVEEN LFCYCLE IX 2015 R6T | Mutual Funds | — | — | $1.4M | 1.3% | |
| Company Baird Short Term Bond Fd Inst Registered Investment | — | — | — | $1.3M | 1.1% | |
| Company Vanguard Growth Index Adm Registered Investment | — | — | — | $1.3M | 1.1% | |
| Company American Cent MdCpVa Fd Cla R6 Registered Investment | — | — | — | $1.2M | 1.1% | |
| S AMERICAN EUROPAC GROWTH R6 | Mutual Funds | — | — | $1.1M | 1.0% | |
| Company American Fd New Perspective R6 Registered Investment | — | — | — | $1.1M | 1.0% | |
| Company BNY Mellon Bond Market Index I Registered Investment | — | — | — | $1.1M | 1.0% | |
| Company Vanguard Federal Money Mkt Inv Registered Investment | — | — | — | $1.0M | 0.9% | |
| Company Nuveen LfCycle lx 2060 R6 Registered Investment | — | — | — | $1.0M | 0.9% | |
| Company * CREF Core Bond R2 Registered Investment | — | — | — | $917K | 0.8% | |
| Vanguard Mid-Cap Idx Adm Registered Investment | — | — | — | $809K | 0.7% | |
| Company American Funds Balanced Fd R6 Registered Investment | — | — | — | $791K | 0.7% | |
| Company * TIAA Access T-C LifCyc 2040 T4 Registered Investment | — | — | — | $628K | 0.6% | |
| Company Nuveen Large Cap Resp Eq R6 Registered Investment | — | — | — | $618K | 0.6% | |
| Company American Funds New World R6 Registered Investment | — | — | — | $595K | 0.5% | |
| Company Vanguard Intl Growth Adm Registered Investment | — | — | — | $588K | 0.5% | |
| Company * CREF Social Choice R2 Registered Investment | — | — | — | $564K | 0.5% | |
| TIAA REAL ESTATE TIAA-CREF · EIN 13-1624203 / PN 004 | Pooled Separate Account | — | — | $562K | 0.5% | |
| Company * TIAA Access T-C LifCyc 2035 T4 Registered Investment | — | — | — | $483K | 0.4% | |
| Company * TIAA Access T-C Intl Equity T4 Registered Investment | — | — | — | $432K | 0.4% | |
| Company * TIAA Access T-C LifCyc 2030 T4 Registered Investment | — | — | — | $390K | 0.4% | |
| Company * CREF Inflation-Linked Bond R2 Registered Investment | — | — | — | $381K | 0.3% | |
| Notes receivable from participants Collateralized by vested -- | — | — | — | $366K | 0.3% | |
| PARTICIPANT LOANS 4.25% TO 9.50% | — | — | — | $366K | 0.3% | |
| Company Vanguard Emr Mkts Stk Idx Adm Registered Investment | — | — | — | $361K | 0.3% | |
| Company * TIAA Access T-C LifCyc 2045 T4 Registered Investment | — | — | — | $344K | 0.3% | |
| Company BlackRock Inflat Prot Bnd Inst Registered Investment | — | — | — | $310K | 0.3% | |
| Company * TIAA Access T-C Lrg Cap Val T4 Registered Investment | — | — | — | $301K | 0.3% | |
| Company * TIAA Access T-C Sm Cp Bl Ix T4 Registered Investment | — | — | — | $270K | 0.2% | |
| Company * TIAA Access T-C Lrg Cap Gr T4 Registered Investment | — | — | — | $242K | 0.2% | |
| Company * TIAA Access T-C LifCyc 2050 T4 Registered Investment | — | — | — | $237K | 0.2% | |
| Company * TIAA Access Nuv Qt Sm Cp BI lx T4 Registered Investment | — | — | — | $233K | 0.2% | |
| Company Dodge & Cox Global Bond Fund I Registered Investment | — | — | — | $229K | 0.2% | |
| Company * TIAA Access T-C Mid Cap Grw T4 Registered Investment | — | — | — | $185K | 0.2% | |
| Company Lord Abbett Bond Debenture I Registered Investment | — | — | — | $181K | 0.2% | |
| Company * TIAA Access T-C Bond T4 Registered Investment | — | — | — | $149K | 0.1% | |
| Company Carillon Eagle Mid Cap Grw R6 Registered Investment | — | — | — | $148K | 0.1% | |
| s (continued) Nuveen Core Impact Bond R6 Registered Investment | Mutual Funds | — | — | $136K | 0.1% | |
| s (continued) Vanguard Small-Cap Val Idx Adm Registered Investment | Mutual Funds | — | — | $135K | 0.1% | |
| Company Schwab Treas Infl Prot Sec Idx Registered Investment | — | — | — | $114K | 0.1% | |
| Company Calvert Small Cap I Registered Investment | — | — | — | $110K | <0.1% | |
| Company * TIAA Access T-C Mid Cap Val T4 Registered Investment | — | — | — | $107K | <0.1% | |
| Company * TIAA Access T-C LifCyc 2015 T4 Registered Investment | — | — | — | $101K | <0.1% | |
| TIAA Access T-C LifCyc 2020 T4 Registered Investment | — | — | — | $98K | <0.1% | |
| S TIAA ACCESS NUV CORE PL BD T4 | Mutual Funds | — | — | $94K | <0.1% | |
| Company * TIAA Access Nuv LgCp Res Eq T4 Registered Investment | — | — | — | $87K | <0.1% | |
| Company Parnassus Core Equity Inst Registered Investment | — | — | — | $87K | <0.1% | |
| Company Nuveen LfCycle lx 2065 R6 Registered Investment | — | — | — | $83K | <0.1% | |
| S TIAA ACCESS NUV MONEY MKT T4 19 * MUTUAL FUNDS TIAA ACCESS NUV RIESTSECSEL T4 | Mutual Funds | — | — | $65K | <0.1% | |
| Company * TIAA Access Nuv Core Equity T4 Registered Investment | — | — | — | $61K | <0.1% | |
| Company Calvert Conservative Alloc I Registered Investment | — | — | — | $39K | <0.1% | |
| Company DFA International Vect Eq Inst Registered Investment | — | — | — | $36K | <0.1% | |
| Company * TIAA Access T-C LifCyc 2025 T4 Registered Investment | — | — | — | $31K | <0.1% | |
| Company Janus Henderson Triton N Registered Investment | — | — | — | $16K | <0.1% | |
| Company * TIAA Access T-C Infl Lnk Bd T4 Registered Investment | — | — | — | $10K | <0.1% | |
| S NUVEEN LFCYCLE IX 2010 R6 | Mutual Funds | — | — | $2K | <0.1% |