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Original filing (PDF)20250828120632NAL0020483682001
DAVIS FOOD CO-OP
Form 5500
FILING_RECEIVED
FORUS 401(K)
401(k) retirement plan
Signals · 1
~159 bps in Sched C fees
Active participants
86
Accounts w/ balance
100
Plan assets (EOY)
$2.5M
Net assets (EOY)
$2.5M
How this plan invests
This plan
18 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
- 159 bps in Schedule C fees — 207% above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for DAVIS FOOD CO-OP.
Plan sponsor
Name
DAVIS FOOD CO-OP
EIN
94-6425287
Address
620 G STREET · DAVIS, CA · 95616
Phone
(530) 758-2667
Industry
Supermarkets & Other Grocery Stores· Retail Tradesee all
Plan administrator
Name
FORUSALL, INC.
EIN
46-1803145
City
SAN CARLOS, CA
Phone
(844) 401-2253
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-08-28
Pension benefit codes
2E · Profit-sharing
2J · 401(k) feature
2K · 401(m) arrangement
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2S · Automatic enrollment
2T · Default investment account (QDIA)
2X · Other multiple-employer DC plan
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
PENSION ASSURANCE LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| AT RETIREMENT SERVICES, LLC | 83-3455979 | DUBUQUE, IA | N/A | $30K | — |
| FORUSALL ADVISORS | 46-1803145 | SAN CARLOS, CA | ADMINISTRATOR | $10K | — |
Investments
18 direct securities· $2.5M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2025 Fund Mutual Fund | — | — | — | $472K | 18.6% | |
| Vanguard Target Retirement 2020 Fund Mutual Fund | — | — | — | $467K | 18.4% | |
| Vanguard Target Retirement 2050 Fund Mutual Fund | — | — | — | $373K | 14.7% | |
| Vanguard Target Retirement 2055 Fund Mutual Fund | — | — | — | $259K | 10.2% | |
| Vanguard Target Retirement 2030 Fund Mutual Fund | — | — | — | $226K | 8.9% | |
| Vanguard Target Retirement 2045 Fund Mutual Fund | — | — | — | $198K | 7.8% | |
| Vanguard Target Retirement 2040 Fund Mutual Fund | — | — | — | $171K | 6.8% | |
| Vanguard Target Retirement 2035 Fund Mutual Fund | — | — | — | $132K | 5.2% | |
| Vanguard Target Retirement 2060 Fund Mutual Fund | — | — | — | $51K | 2.0% | |
| Fidelity Total Market Index Instl Prem Mutual Fund | — | — | — | $41K | 1.6% | |
| Schwab S&P 500 Index Sel Mutual Fund | — | — | — | $34K | 1.4% | |
| Participant Loans to participants, bearing interest from 8.5% to 9.5% | — | — | — | $32K | 1.3% | |
| Vanguard Target Retirement 2065 Fund Mutual Fund | — | — | — | $27K | 1.1% | |
| Vanguard FTSE Social Index Adm Mutual Fund | — | — | — | $19K | 0.7% | |
| Vanguard Target Retirement Income Fund Mutual Fund | — | — | — | $14K | 0.6% | |
| Calvert US Mid Cap Core Rspnb Idx I Mutual Fund | — | — | — | $14K | 0.5% | |
| Fidelity Small Cap Index Inst Prem Mutual Fund | — | — | — | $6K | 0.2% | |
| Vanguard Total Bond Mrkt Index Admiral Mutual Fund | — | — | — | $2K | <0.1% |
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