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Original filing (PDF)20251015154617NAL0005034801005
UEBT RETIREE HEALTH PLAN
Form 5500
FILING_RECEIVED
UEBT RETIREE HEALTH PLAN
Health & welfare plan
Signals · 3
1 failed disclosure~731 bps in Sched C fees22 service providers
Active participants
—
Accounts w/ balance
—
Plan assets (EOY)
$97.0M
Net assets (EOY)
$91.5M
How this plan invests
This plan
53 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
85
/ 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
85
Concentration risk
100
Total plan cost
65
Vendor stack
100
Participation health
90
Knocking points off
- 1 Schedule C provider failed to disclose compensation.
- 731 bps in Schedule C fees — 4469% above peer band of 16 bps.
- No active participants reported but plan still holds assets.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for UEBT RETIREE HEALTH PLAN.
Plan sponsor
Name
UEBT RETIREE HEALTH PLAN
EIN
94-6078804
Address
1000 BURNETT AVENUE, SUITE 110 · CONCORD, CA · 94520
Phone
(925) 746-7530
Industry
Supermarkets & Other Grocery Stores· Retail Tradesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
501
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-15
Welfare benefit codes
4A · Health (other than dental or vision)
4B · Life Insurance
4D · Dental
4E · Vision
4F · Temporary Disability (accident and sickness)
4L · Death Benefits (other than life insurance)
Audit & trust (Schedule H)
Auditor
EIDE BAILLY LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
22 rowsOther
22| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| UFCW GROUP ADMINISTRATION LLC | 26-0048379 | — | SALARIED ADMINSTRATOR | $4.7M | — |
| BLUE SHIELD OF CALIFORNIA | 94-0360524 | — | NONE | $297K | — |
| EIDE BAILLY LLP | 45-0250958 | — | NONE | $281K | — |
| PART D ADVISORS, INC. | 20-2595200 | — | NONE | $247K | — |
| HORIZON ACTUARIAL SERVICES, LLC | 38-3647875 | — | NONE | $219K | — |
| SEGAL COMPANY | 94-1503999 | — | NONE | $168K | — |
| VISION SERVICE PLAN | 23-7316300 | — | NONE | $141K | — |
| SOLIDARITUS | 87-3068107 | — | NONE | $135K | — |
| DELTA DENTAL | 94-1461312 | — | NONE | $131K | — |
| UFCW LOCAL 5 | 20-8028546 | — | SPONSOR | $124K | — |
| PHARMACY BENEFIT SOLUTIONS | 47-0866096 | — | NONE | $119K | — |
| SEYFARTH & SHAW | 36-2152202 | — | NONE | $118K | — |
| ELIXIR RX SOLUTIONS | 90-1011712 | — | NONE | $91K | — |
| UFCW LOCAL 8 | 94-0801845 | — | SPONSOR | $87K | — |
| HUDSON EDGE INVESTMENT PARTNERS | 52-1296988 | — | NONE | $75K | — |
| MEDEXPERT INTERNATIONAL INC | 94-3360248 | — | NONE | $42K | — |
| SAV RX | — | FREMONT, NE | NONE | $31K | — |
| UFCW LOCAL 648 | 94-0525380 | — | SPONSOR | $20K | — |
| NEW ENGLAND PENSION CONSULTANTS | 26-1429809 | — | NONE | $19K | — |
| CIGNA DENTAL | 59-1031071 | — | NONE | $10K | — |
| PODIATRY PLAN | 94-2864053 | — | NONE | $6K | — |
| ACTIVE RADAR | 81-0843133 | — | NONE | $6K | — |
Failed / refused disclosures (Sched C Part 2)
| Provider | Nondisclosure info |
|---|---|
| ACTIVE RADAR | SERVICE PROVIDER RECEIVED DIRECT COMPENSATION BUT FAILED TO RESPOND TO INDIRECT COMPENSATION QUESTIONNAIRE |
Investments
53 direct securities· $90.9M(94% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Net Gain/Loss Page 10 of 35 Account number PLN600 26,307,534.0020,000,000.00 | — | — | — | $20.0M | 20.6% | |
| UNITED STS TREAS NTS 0.5% 10-31-2027 | — | — | $16.5M | $16.3M | 16.8% | |
| DTD 2.0% 11-15-2026 | — | — | $9.6M | $9.6M | 9.9% | |
| CR SUISSE AG NEW 3.7% DUE 02-21-2025 | — | — | $2.5M | $2.5M | 2.6% | |
| PHILLIPS 66 COMPANY 3.605% DUE 02-15-2025 | — | — | $1.9M | $2.0M | 2.0% | |
| ABBVIE INC 4.8% 03-15-2027 | — | — | $1.7M | $1.8M | 1.8% | |
| MFRS & TRADERS TR CO 4.65% DUE 01-27-2026 | — | — | $1.7M | $1.7M | 1.8% | |
| GOLDMAN SACHS GROUP INC 1.948% 10-21-2027 | — | — | $1.6M | $1.6M | 1.7% | |
| HSBC HLDGS PLC SR NT FLTG 9/12/2026 | — | — | $1.5M | $1.5M | 1.6% | |
| JPMORGAN CHASE & CO 3.96% 01-29-2027 | — | — | $1.5M | $1.5M | 1.5% | |
| COMMONWEALTH EDISON CO 2.95% 08-15-2027 | — | — | $1.5M | $1.4M | 1.5% | |
| MICROSOFT CORP FIXED 2.7% DUE 02-12-2025 | — | — | $1.3M | $1.4M | 1.4% | |
| WELLS FARGO & CO NEW MEDIUM 4.3% DUE 07-22-2027 | — | — | $1.3M | $1.3M | 1.3% | |
| BB&T BRH BKG & TR 3.625% DUE 09-16-2025 | — | — | $1.2M | $1.2M | 1.3% | |
| PHILIP MORRIS INTL INC 4.375% 11-01-2027 | — | — | $1.2M | $1.2M | 1.3% | |
| SMALL BUSINESS ADMIN GTD LN 6.75% 10-25-2046 | — | — | $1.3M | $1.2M | 1.2% | |
| MORGAN STANLEY FIXED 1.593% DUE 05-04-2027 | — | — | $1.1M | $1.2M | 1.2% | |
| FREDDIE MAC 5.0% DUE 12-31-2049 | — | — | $1.0M | $1.0M | 1.0% | |
| Money Market Mutual Fund MFB Northern Instl Fds Govt Portfolio Money market mutual fund | — | — | $975K | $975K | 1.0% | |
| REALTY INCOME CORP 3% DUE 01-15-2027 | — | — | $943K | $967K | 1.0% | |
| BANK OF AMERICA CORP 3.248% DUE 10-21-2027 | — | — | $966K | $964K | 1.0% | |
| CITIGROUP INC 1.122% DUE 01-28-2027 | — | — | $928K | $960K | 1.0% | |
| CATERPILLAR 1.45% 05-15-2025 | — | — | $894K | $940K | 1.0% | |
| COLUMBIA PINELIN 4.5% 6-1-2025 | — | — | $921K | $918K | 0.9% | |
| GNMA REMIC SR-2015-71 CL-BC FLTG 06/16/2049 | — | — | $907K | $900K | 0.9% | |
| Corporate Obligations BANK NOVA SCOTIA BC 1.3% DUE 09-15-2026 | — | — | $836K | $898K | 0.9% | |
| CHARLES SCHWAB CORP 2.95% 05-13-2026 | — | — | $840K | $875K | 0.9% | |
| U S BANCORP MEDIUM FIXED 1.45% 05-12-2025 | — | — | $855K | $865K | 0.9% | |
| TORONTO DOMINION BK 1.25% 09-10-2026 | — | — | $807K | $864K | 0.9% | |
| GNMA 1% 05-20-2051 | — | — | $1.1M | $859K | 0.9% | |
| HOME DEPOT CANADA INC 2.7% 04-15-2025 | — | — | $848K | $846K | 0.9% | |
| U.S. Government Securities UNITED STATES OF AMER 3.5% 09-30-2026 | — | — | $842K | $839K | 0.9% | |
| UNITEDHEALTH GROUP 1.15% 5-15-2026 | — | — | $764K | $812K | 0.8% | |
| DEERE & CO 2.75% 4-15-2025 | — | — | $828K | $811K | 0.8% | |
| SMALL BUSINESS ADMINISTRATION 6.2% 04-25-2046 | — | — | $848K | $800K | 0.8% | |
| INTERCONTINENTAL EXCHANGE INC 3.65% 05-23-2025 | — | — | $749K | $747K | 0.8% | |
| PUBLIC STORAGE 1.5% 11-09-2026 | — | — | $712K | $733K | 0.8% | |
| GNMA REMIC SERIES 21-58 CL EA 1.0% DUE 07-20-2050 | — | — | $894K | $675K | 0.7% | |
| ASTRAZENECA 0.7% DUE 04-08-2026 | — | — | $624K | $668K | 0.7% | |
| SMALL BUSINESS ADMINISTRATION 7.375% 04-25-2037 | — | — | $628K | $615K | 0.6% | |
| GNMA SER 22-146 CL PA 4% DUE 06-20-2052 | — | — | $627K | $608K | 0.6% | |
| FEDERAL FARM CR BK 5.08% 03-18-2027 | — | — | $604K | $605K | 0.6% | |
| GNMA 4.5% 02-20-2053 | — | — | $553K | $554K | 0.6% | |
| MIZUHO FINL GROUP 2.651% DUE 05-22-2026 | — | — | $491K | $496K | 0.5% | |
| FNMA REMIC TR 2021-59 CL-H 2% 06-25-2048 | — | — | $538K | $416K | 0.4% | |
| GILEAD SCIENCES 3.5% DUE 02-01-2025 | — | — | $394K | $399K | 0.4% | |
| FNMA SER 20-47 CL AJ 2.0% DUE 07-25-2045 | — | — | $433K | $374K | 0.4% | |
| FNMA SER 21-25 CL JB 1.0% DUE 05-25-2051 | — | — | $240K | $179K | 0.2% | |
| FHLMC MULTICLASS SER 004591 CL GD 2.5% 12-15-2044 | — | — | $152K | $145K | 0.1% | |
| FNMA SER 2017-1 CL AD 2.5% 07-25-2046 | — | — | $34K | $34K | <0.1% | |
| GNMA REMIC SER 2017-184 CL J 3.0% 07-20-2047 | — | — | $35K | $31K | <0.1% | |
| FNMA SER 18-4 CLS EG | — | — | $15K | $13K | <0.1% | |
| GNMA 2015-091 REMIC PASSTHRU 3.0% DUE 10-20-2044 | — | — | $14K | $11K | <0.1% |