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Original filing (PDF)20260316145758NAL0003255346001
BOARD OF TRUSTEES LABORERS VACATION HOLIDAY TRUST FUND FOR NOR CAL
Form 5500
FILING_RECEIVED
LABORERS VACATION-HOLIDAY TRUST FUND FOR NORTHERN CALIFORNIA
Health & welfare plan
Signals · 4
1 failed disclosure99% in single holding~265 bps in Sched C feesNo recordkeeper disclosed
Active participants
30,998
Accounts w/ balance
—
Plan assets (EOY)
$58.1M
Net assets (EOY)
$7.4M
How this plan invests
This plan
2 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
80
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
85
Concentration risk
75
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- 1 Schedule C provider failed to disclose compensation.
- Top holding "Fremont Bank Money Market Account, 3.55%" is 99% of plan.
- 265 bps in Schedule C fees — 1554% above peer band of 16 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BOARD OF TRUSTEES LABORERS VACATION HOLIDAY TRUST FUND FOR NOR CAL.
Plan sponsor
Name
BOARD OF TRUSTEES LABORERS VACATION HOLIDAY TRUST FUND FOR NOR CAL
EIN
94-6092198
Address
5672 STONERIDGE DRIVE, SUITE 100 · PLEASANTON, CA · 94588
Phone
(707) 864-2800
Industry
Constructionsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
501
Plan year
2024
Plan year begin
2024-06-01
Tax period
2025-05-31
Filed
2026-03-16
Welfare benefit codes
4Q · Other
Audit & trust (Schedule H)
Auditor
WITHUMSMITH+BROWN, PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsOther
5| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| LABORERS FUND ADMINISTRATION | 94-1563547 | — | NONE | $1.5M | — |
| FINAL OPTION CORP | 26-4644580 | — | NONE | $25K | — |
| WITHUMSMITH+BROWN, PC | 22-2027092 | — | NONE | $20K | — |
| BULLIVANT HOUSER BAILEY PC | 93-1129534 | — | NONE | $11K | — |
| WEINBERG, ROGER & ROSENFELD | 94-2458080 | — | NONE | $11K | — |
Failed / refused disclosures (Sched C Part 2)
| Provider | Nondisclosure info |
|---|---|
| FINAL OPTION CORP | THE SERVICE PROVIDER DID NOT PROVIDE INFORMATION ON INDIRECT COMPENSATION, IF ANY. |
Investments
2 direct securities· $46.7M(80% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fremont Bank Money Market Account, 3.55% | — | — | $46.4M | $46.4M | 80.0% | |
| Fremont Bank Savings Account, 0.01% | — | — | $311K | $311K | 0.5% |