Original filing (PDF)20260316182505NAL0001832032001

BOARD OF TRUSTEES, MFOW MONEY PURCHASE PENSION PLAN

Name: BOARD OF TRUSTEES, MFOW MONEY PURCHASE PENSION PLAN — MFOW MONEY PURCHASE PENSION PLAN, Form 5500 (2024)
Creator: BOARD OF TRUSTEES, MFOW MONEY PURCHASE PENSION PLAN

Form 5500

FILING_RECEIVED

MFOW MONEY PURCHASE PENSION PLAN

Defined-contribution retirement plan

Signals · 3

38% in single holdingNo recordkeeper disclosed8 service providers

Active participants

319

Accounts w/ balance

Plan assets (EOY)

$41.7M

Net assets (EOY)

$41.7M

How this plan invests

This plan

112 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score (directional)

/ 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

Total plan cost

Vendor stack

Participation health

100

Knocking points off

Top holding "Asset Minor Code 28Asset Minor Code 28Asset Minor Code 28" is 38% of plan.
51 bps in Schedule C fees — 77% above peer band of 29 bps.
No recordkeeper disclosed on Schedule C.

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BOARD OF TRUSTEES, MFOW MONEY PURCHASE PENSION PLAN.

Plan sponsor

Name

BOARD OF TRUSTEES, MFOW MONEY PURCHASE PENSION PLAN

EIN

94-6201677

Address

240 2ND ST · SAN FRANCISCO, CA · 94105

Phone

(415) 362-4592

Industry

Transportation & Warehousingsee all

Plan administrator

Same as plan sponsor.

Plan characteristics

Plan number

002

Plan year

2024

Plan year begin

2024-06-01

Tax period

2025-05-31

Filed

2026-03-16

Pension benefit codes

2C · Money purchase (other than target benefit)

Audit & trust (Schedule H)

Auditor

MILLER KAPLAN ARASE LLP

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

8 rows

Other

Name	EIN	Location	Relation	Direct comp	Indirect comp
BENESYS, INC.	38-2383171	—	NONE	$72K	—
DODGE & COX	94-1441976	—	NONE	$60K	—
US BANK	31-0841368	—	NONE	$28K	—
WITHUMSMITH+BROWN, PC	22-2027092	—	NONE	$19K	—
STEPHEN HORN INSURANCE	94-3249244	—	NONE	$12K	—
M.F.O.W. WELFARE FUND	94-1254186	—	RELATED PLAN	$9K	—
TRUCKER HUSS, APC	94-3216093	—	NONE	$8K	—
LEONARD CARDER, LLP	94-2819269	—	NONE	$6K	—

Investments

112 direct securities· $43.2M(100% of reported assets)

Uncategorized

$41.6M

110 holdings

Mutual Funds

$1.3M

1 holding

Preferred Stocks

$283K

1 holding

Investment	Type	Shares / units	Cost	Current value	% of plan
Asset Minor Code 28Asset Minor Code 28Asset Minor Code 28	—	—	—	$16.3M	39.0%
Dodge & Cox Stock Fd	—	—	$8.2M	$6.8M	16.3%
Dodge & Cox Balanced Fd	—	—	$3.1M	$2.9M	6.9%
S 30,349 Dodge & Cox International Stock Fd	Mutual Funds	—	$1.8M	$1.3M	3.1%
Dodge & Cox Income Fd	—	—	$1.2M	$1.2M	2.9%
Dodge & Cox Global Stock Fd	—	—	$961K	$892K	2.1%
.00 BOOK VALUE 238,154.30 262,484.06	—	—	$262K	$749K	1.8%
.000 PRICE/UNIT 244,267.50 262,711.68	—	—	$263K	$744K	1.8%
.00 UNREALIZED GAIN/LOSS ADJ PRIOR MARKET / ADJ PRIOR MARKET Period from June 1, 2024 to May 31, 2025 240,352.50 255,522.96	—	—	$256K	$725K	1.7%
BOOK VALUE	—	—	$182K	$617K	1.5%
PRICE/UNIT	—	—	$144K	$490K	1.2%
FACE AMOUNT 150,000.000 375,000.000 150,000.000	—	—	$150K	$425K	1.0%
.000 PRICE/UNIT 145,954.50 392,437.50 149,734.50	—	—	$150K	$420K	1.0%
.00 BOOK VALUE 149,934.00 432,761.25 164,472.00	—	—	$164K	$400K	1.0%
.00 UNREALIZED GAIN/LOSS ADJ PRIOR MARKET / ADJ PRIOR MARKET Period from June 1, 2024 to May 31, 2025 139,312.50 390,172.50 147,301.50	—	—	$147K	$400K	1.0%
No. of Shares MONEY MARKET FUND 337,439 Dreyfus Treasury Oblig Cash Mgmt N/A Var.	—	—	$337K	$337K	0.8%
.000 PRICE/UNIT	—	—	$164K	$327K	0.8%
.00 BOOK VALUE	—	—	$163K	$324K	0.8%
Dodge & Cox Global Bond Fd	—	—	$325K	$315K	0.8%
BOOK VALUE 519,858.68 640,006.86	—	—	$640K	$299K	0.7%
10,720 Citigroup	Preferred Stocks	—	$312K	$283K	0.7%
PRICE/UNIT 484,555.64 593,904.99	—	—	$594K	$280K	0.7%
FACE AMOUNT 100,000.000 350,000.000	—	—	$350K	$275K	0.7%
FACE AMOUNT	—	—	$126K	$274K	0.7%
PRICE/UNIT	—	—	$122K	$265K	0.6%
PRICE/UNIT 123,367.50	—	—	$123K	$255K	0.6%
SHARES/ .000 PRICE/UNIT 206,192.00 199,438.00	—	—	$199K	$254K	0.6%
.00 BOOK VALUE 200,000.00 198,578.00	—	—	$199K	$251K	0.6%
.000 PRICE/UNIT 100,940.00 350,000.00	—	—	$350K	$250K	0.6%
.00 UNREALIZED GAIN/LOSS ADJ PRIOR MARKET / ADJ PRIOR MARKET Period from June 1, 2024 to May 31, 2025 202,002.00 198,578.00	—	—	$199K	$250K	0.6%
.00 BOOK VALUE 330,209.95	—	—	$330K	$240K	0.6%
.00 UNREALIZED GAIN/LOSS ADJ PRIOR MARKET / ADJ PRIOR MARKET Period from June 1, 2024 to May 31, 2025 345,296.00	—	—	$345K	$239K	0.6%
PRICE/UNIT	—	—	$138K	$225K	0.5%
Illinois ST 06/01/33 5.1%	—	—	$211K	$222K	0.5%
PRICE/UNIT	—	—	$193K	$219K	0.5%
Asset Minor Code 21Asset Minor Code 21Asset Minor Code 21Asset Minor Code 21Asset Minor Code 21Asset Minor Code 21Asset Minor Code 21 FACE AMOUNT 430,000.000 116,000.000 270,000.000 415,000.000	—	—	$415K	$196K	0.5%
.00 BOOK VALUE 433,880.08 115,922.97 268,808.20 435,685.16	—	—	$436K	$180K	0.4%
.00 UNREALIZED GAIN/LOSS ADJ PRIOR MARKET / ADJ PRIOR MARKET Period from June 1, 2024 to May 31, 2025 410,568.30 115,922.97 256,362.30 404,139.45	—	—	$404K	$175K	0.4%
SHARES/ .000 PRICE/UNIT 423,498.40 116,249.40 264,759.30 413,169.85	—	—	$413K	$172K	0.4%
PRICE/UNIT	—	—	$192K	$163K	0.4%
BOOK VALUE	—	—	$436K	$153K	0.4%
SHARES/ PRICE/UNIT	—	—	$345K	$150K	0.4%
Asset Minor Code 28Asset Minor Code 28Asset Minor Code 28Asset Minor Code 28Asset Minor Code 28Asset Minor Code 28Asset Minor Code 28 FACE AMOUNT 250,000.000	—	—	$250K	$140K	0.3%
PRICE/UNIT 244,910.00	—	—	$245K	$127K	0.3%
CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED	—	—	—	$127K	0.3%
Asset Minor Code 28Asset Minor Code 28Asset Minor Code 28Asset Minor Code 28Asset Minor Code 28Asset Minor Code 28Asset Minor Code 28 FACE AMOUNT 175,000.000	—	—	$175K	$125K	0.3%
PRICE/UNIT 106,071.02	—	—	$106K	$123K	0.3%
Asset Minor Code 30Asset Minor Code 30Asset Minor Code 30Asset Minor Code 30Asset Minor Code 24Asset Minor Code 24Asset Minor Code 30 FACE AMOUNT 165,018.710	—	—	$165K	$122K	0.3%
PRICE/UNIT 172,497.50	—	—	$172K	$112K	0.3%
PRICE/UNIT 149,612.56	—	—	$150K	$112K	0.3%
Asset Minor Code 24 FACE AMOUNT 114,828.720	—	—	$115K	$107K	0.3%
Asset Minor Code 24Asset Minor Code 24Asset Minor Code 24Asset Minor Code 24Asset Minor Code 24Asset Minor Code 24Asset Minor Code 24 FACE AMOUNT 159,296.400 145,433.030 231,976.780 172,944.920	—	—	$173K	$105K	0.3%
CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED	—	—	—	$102K	0.2%
PRICE/UNIT	—	—	$130K	$100K	0.2%
E.I.N. 94-6201677; PLAN NO. 002 MAY 31, 2025 Par Maturity Interest Fair Value U.S. GOVERNMENT, CORPORATE, AND FOREIGN ISSUES Date Rate Value Cost See attached statement for details. MUNICIPAL ISSUES $ 75,000 California ST 04/01/34 7.5%	—	—	$86K	$95K	0.2%
CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED - 46,652.60	—	—	$72K	$92K	0.2%
California ST 10/01/39 7.3%	—	—	$57K	$56K	0.1%
CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED - 30,639.48	—	—	$31K	$55K	0.1%
PRICE/UNIT 103.0630	—	—	$13K	$52K	0.1%
Asset Minor Code 28Asset Minor Code 28Asset Minor Code 28Asset Minor Code 28Asset Minor Code 28Asset Minor Code 28Asset Minor Code 28 FACE AMOUNT 25,000.000	—	—	$25K	$50K	0.1%
PRICE/UNIT 103.405034,103.03 103.1010 102.3800	—	—	—	$34K	<0.1%
PRICE/UNIT 49,867.92	—	—	$99K	$33K	<0.1%
.000 PRICE/UNIT 111.524027,881.00 100.312050,156.00 100.0000	—	—	—	$25K	<0.1%
.00 BOOK VALUE 25,000.00	—	—	$50K	$25K	<0.1%
.00 UNREALIZED GAIN/LOSS ADJ PRIOR MARKET / ADJ PRIOR MARKET Period from June 1, 2024 to May 31, 2025 27,342.50	—	—	$50K	$25K	<0.1%
Asset Minor Code 24Asset Minor Code 24Asset Minor Code 24Asset Minor Code 24 FACE AMOUNT 41,156.610	—	—	$41K	$24K	<0.1%
.000 PRICE/UNIT 74,352.00 100.0000	—	—	$45K	$23K	<0.1%
.00 BOOK VALUE 83,832.00	—	—	$50K	$23K	<0.1%
.00 UNREALIZED GAIN/LOSS ADJ PRIOR MARKET / ADJ PRIOR MARKET Period from June 1, 2024 to May 31, 2025 72,327.75	—	—	$42K	$23K	<0.1%
.00 CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED - 10,381.68	—	—	$10K	$23K	<0.1%
PRICE/UNIT 100.485041,356.22 100.4040	—	—	$24K	$20K	<0.1%
CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED - 35,303.04	—	—	$48K	$19K	<0.1%
.00 CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED	—	—	$174K	$19K	<0.1%
PRICE/UNIT 17,681.83 103.5860	—	—	—	$19K	<0.1%
.00 CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED - 40,323.75	—	—	$40K	$15K	<0.1%
.00 CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED	—	—	—	$15K	<0.1%
.00 CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED 123,389.51	—	—	$123K	$15K	<0.1%
Asset Minor Code 24Asset Minor Code 24Asset Minor Code 24Asset Minor Code 24Asset Minor Code 24Asset Minor Code 24Asset Minor Code 24 FACE AMOUNT 17,963.860	—	—	$19K	$14K	<0.1%
CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED	—	—	—	$10K	<0.1%
YIELD ON MARKETENDING ACCRUAL Page 38 of 578 1,135.69	—	—	$1K	$8K	<0.1%
CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED - 9,418.50	—	—	$9K	$7K	<0.1%
CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED - 7,778.80	—	—	$3K	$7K	<0.1%
.00 CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED - 1,931.36	—	—	$16K	$6K	<0.1%
.00 CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED - 9,480.00	—	—	$6K	$5K	<0.1%
.00 CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED - 3,114.46	—	—	$3K	$5K	<0.1%
YIELD ON MARKETENDING ACCRUAL Page 45 of 578 5,420.80	—	—	$1K	$4K	<0.1%
CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED - 1,286.35	—	—	$1K	$4K	<0.1%
YIELD ON MARKETENDING ACCRUAL Page 41 of 578 1,030.43	—	—	$1K	$4K	<0.1%
YIELD ON MARKETENDING ACCRUAL Page 35 of 578 1,094.69	—	—	$9K	$4K	<0.1%
CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED - 2,263.42	—	—	$2K	$4K	<0.1%
.00 CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED	—	—	—	$3K	<0.1%
YIELD ON MARKETENDING ACCRUAL Page 28 of 578 2,633.33	—	—	$1K	$3K	<0.1%
CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED	—	—	—	$3K	<0.1%
CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED - 2,003.51	—	—	$2K	$3K	<0.1%
CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED	—	—	—	$2K	<0.1%
CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED - 9,756.00	—	—	$1K	$2K	<0.1%
CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED - 3,356.58	—	—	$3K	$2K	<0.1%
CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED - 3,934.22	—	—	$4K	$2K	<0.1%
YIELD ON MARKETENDING ACCRUAL Page 22 of 578 1,578.40	—	—	$2K	$2K	<0.1%
CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED - 1,385.13	—	—	$2K	$2K	<0.1%
CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED - 5,734.98	—	—	$2K	$2K	<0.1%
CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED - 5,832.43- 5,832.43	—	—	$4K	$2K	<0.1%
YIELD ON MARKETENDING ACCRUAL Page 36 of 578 1,070.00	—	—	$1K	$2K	<0.1%
CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED - 1,630.75	—	—	$2K	$2K	<0.1%
CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED - 4,785.00	—	—	$5K	$1K	<0.1%
CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED - 3,388.96	—	—	$3K	$1K	<0.1%
YIELD ON MARKETENDING ACCRUAL Page 14 of 578 1,796.12	—	—	$1K	$1K	<0.1%
.00 CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED 2,881.00	—	—	$1K	$1K	<0.1%
CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED	—	—	$1K	$1K	<0.1%
YIELD ON MARKETENDING ACCRUAL Page 29 of 578 2,928.18	—	—	$9K	$1K	<0.1%
YIELD ON MARKETENDING ACCRUAL Page 32 of 578 3,937.50	—	—	$1K	$1K	<0.1%
CURRENT PERIODSINCE INCEPTION/ GAIN (LOSS)UNREALIZED - 2,540.09	—	—	$3K	$1K	<0.1%