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Original filing (PDF)20251015101017NAL0004544161001
FRONT PORCH COMMUNITIES AND SERVICES
Form 5500
FILING_RECEIVED
FRONT PORCH RETIREMENT INCOME PLAN
Defined-benefit pension plan
Signals · 2
60% in single holdingNo recordkeeper disclosed
Active participants
430
Accounts w/ balance
0
Plan assets (EOY)
$53.8M
Net assets (EOY)
$53.8M
How this plan invests
This plan
9 pooled trusts
Schedule D
8 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
82
/ 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
100
Concentration risk
75
Total plan cost
65
Vendor stack
55
Participation health
100
Knocking points off
- Top holding "II * Principal Principal/Multi-Manager Liability Driven Solution Cit I" is 60% of plan.
- 40 bps in Schedule C fees — 147% above peer band of 16 bps.
- No recordkeeper disclosed on Schedule C.
- Plan is frozen (1I) — no new benefit accrual.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for FRONT PORCH COMMUNITIES AND SERVICES.
Plan sponsor
Name
FRONT PORCH COMMUNITIES AND SERVICES
EIN
94-6130471
Address
2185 N CALIFORNIA BLVD STE 215 · WALNUT CREEK, CA · 945967323
Phone
(925) 956-7430
Industry
Health Care & Social Assistancesee 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
2025-10-15
Pension benefit codes
1A · Pay-related DB formula
1I · Frozen plan — no new benefit accrual
Audit & trust (Schedule H)
Auditor
WITHUMSMITH+BROWN, PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WELLS FARGO ADVISORS | 34-1542819 | — | INVESTMENT ADVISORY | $5K | — |
TPA / Administrator
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL CUSTODY SOLUTIONS | 51-0099493 | — | CONTRACT ADMINISTRATOR | $186K | — |
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $22K | — |
Investments
4 direct securities · 9 pooled funds· $71.6M(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.
Common Collective Trust
$52.3M
6 holdings
Uncategorized
$19.2M
4 holdings
Pooled Separate Account
$0
3 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| PRINCIPAL/MULTI-MANAGER LIABIL SEI TRUST COMPANY · EIN 30-6225619 / PN 001 | Common Collective Trust | — | $31.3M | $32.4M | 60.2% | |
| Principal/Blackrock International Equity Index Cit N | — | — | $15.1M | $15.0M | 28.0% | |
| PRINCIPAL/MULTI-MANAGER LIABIL SEI TRUST COMPANY · EIN 80-6049172 / PN 001 | Common Collective Trust | — | — | $15.0M | 28.0% | |
| Principal Principal/Multi-Manager Liability Driven Solution Cit | — | — | $2.4M | $2.8M | 5.1% | |
| PRINCIPAL/BLACKROCK S&P 500 IN SEI TRUST COMPANY · EIN 94-3224211 / PN 001 | Common Collective Trust | — | — | $2.8M | 5.1% | |
| Principal Short-Term Investment Fund A S1 | — | — | $1.1M | $1.1M | 2.1% | |
| PRINCIPAL/BLACKROCK INTL EQ IN SEI TRUST COMPANY · EIN 52-2265229 / PN 001 | Common Collective Trust | — | $965K | $977K | 1.8% | |
| PRINCIPAL/BLACKROCK S&P MIDCAP SEI TRUST COMPANY · EIN 52-2265235 / PN 001 | Common Collective Trust | — | $700K | $765K | 1.4% | |
| PRINCIPAL/BLACK ROCK RUSSELL 2 SEI TRUST COMPANY · EIN 52-2265233 / PN 001 | Common Collective Trust | — | $378K | $416K | 0.8% | |
| Fidelity Emerging Markets Index Fund Class FAI | — | — | $331K | $345K | 0.6% | |
| PRIN LGCAP S&P 500 INDEX SA-R6 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 016 | Pooled Separate Account | — | — | $0 | <0.1% | |
| PRIN REAL ESTATE SECS SA-R6 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 095 | Pooled Separate Account | — | — | $0 | <0.1% | |
| PRIN SMALLCAP VALUE II SA-R6 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 096 | Pooled Separate Account | — | — | $0 | <0.1% |