Back to filter
Original filing (PDF)20251009171026NAL0004127091001
SAN JOAQUIN REFINING COMPANY, INC.
Form 5500
FILING_RECEIVED
SAN JOAQUIN REFINING COMPANY 401K PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
131
Accounts w/ balance
149
Plan assets (EOY)
$36.2M
Net assets (EOY)
$36.2M
How this plan invests
This plan
1 pooled trust
Schedule D
30 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
98
/ 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
100
Vendor stack
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (7 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SAN JOAQUIN REFINING COMPANY, INC..
Plan sponsor
Name
SAN JOAQUIN REFINING COMPANY, INC.
EIN
95-3341023
Address
PO BOX 5576 · BAKERSFIELD, CA · 93388
Phone
(661) 327-4257
Industry
Manufacturingsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
003
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-09
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
BARBICH HOOPER KING DILL HOFFMAN
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsTPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| QUALIFIED SERVICES INC DBA HICKS PE | — | — | TPA | $0 | — |
Other
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| VOYA RETIREMENT ADVISORS | 02-0488491 | — | SERVICE PROVIDER | $26K | — |
| VOYA RETIREMENT INSURANCE AND ANNUI | 71-0294708 | — | SERVICE PROVIDER | $0 | — |
| MORNINGSTAR | 36-3297908 | — | SERVICE PROVIDER | $0 | — |
Investments
30 direct securities · 1 pooled fund· $64.8M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Uncategorized
$36.2M
30 holdings
Pooled Separate Account
$28.6M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| VOYA SEPERATE ACCOUNT(S) VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $28.6M | 78.9% | |
| MFS Growth Fund R6 Pooled separate account | — | — | — | $6.8M | 18.8% | |
| Voya Fixed Account Guaranteed interest account | — | — | — | $6.7M | 18.4% | |
| American Funds Wash Mutual Inv R6 Pooled separate account | — | — | — | $3.8M | 10.6% | |
| Vanguard LifeStrat Mod Grwth Fd Inv Pooled separate account ** 16 Vanguard Mid-Cap Index Fund Pooled separate account | — | — | — | $3.5M | 9.6% | |
| Vanguard 500 Index Fund Adm Pooled separate account | — | — | — | $2.8M | 7.6% | |
| Voya Gov Money Market Fund A Pooled separate account ** 235 * Voya Intermediate Bond Fund R6 Pooled separate account | — | — | — | $2.1M | 5.8% | |
| Vanaguard Stk Index Fnd Adm Pooled separate account | — | — | — | $1.5M | 4.0% | |
| ClrBrg Sm Cp Growth Fnd IS Pooled separate account | — | — | — | $1.3M | 3.7% | |
| Participant loans Interest rate 4.25%-9.50% -0- | — | — | — | $996K | 2.7% | |
| DFA Inflat-Prot Securities Port Inst Pooled separate account | — | — | — | $952K | 2.6% | |
| American Funds Europacific Growth R6 Pooled separate account | — | — | — | $858K | 2.4% | |
| DFA Emerging Markets Pooled separate account | — | — | — | $591K | 1.6% | |
| Vanguard Trgt Retire 2045 Fnd Inv Pooled separate account | — | — | — | $556K | 1.5% | |
| Vanguard Trgt Retire 2050 Fnd Inv Pooled separate account | — | — | — | $524K | 1.4% | |
| DFA Global Real Estate Sec Port Inst Pooled separate account | — | — | — | $458K | 1.3% | |
| AB Global Bond Fund Z Pooled separate account | — | — | — | $409K | 1.1% | |
| DFA U.S. Targeted Value Port Inst Pooled separate account | — | — | — | $396K | 1.1% | |
| Vanguard Trgt Retire 2030 Fnd Inv Pooled separate account | — | — | — | $333K | 0.9% | |
| PIMCO Income Fund Inst Pooled separate account | — | — | — | $243K | 0.7% | |
| Vanguard Trgt Retire 2035 Fnd Inv Pooled separate account | — | — | — | $220K | 0.6% | |
| Vanguard Trgt Retire 2040 Fnd Inv Pooled separate account | — | — | — | $198K | 0.5% | |
| Vanguard LifeStrat Growth Fd Inv Pooled separate account ** 17 Vanguard LifeStrat Income Fnd Inv Pooled separate account | — | — | — | $197K | 0.5% | |
| PIMCO Commodity RI Rtn Strat Pooled separate account | — | — | — | $183K | 0.5% | |
| Vanguard Trgt Retire Income Fnd Inv Pooled separate account | — | — | — | $168K | 0.5% | |
| DFA Intl Small Comp Portfolio Pooled separate account | — | — | — | $159K | 0.4% | |
| Eaton Vance Income Fund Boston Pooled separate account | — | — | — | $125K | 0.3% | |
| Vanguard Trgt Retire 2055 Fnd Inv Pooled separate account | — | — | — | $99K | 0.3% | |
| Vanguard Trgt Retire 2020 Fnd Inv Pooled separate account | — | — | — | $80K | 0.2% | |
| Vanguard Trgt Retire 2060 Fnd Inv Pooled separate account | — | — | — | $47K | 0.1% | |
| Vanguard Trgt Retire 2065 Fnd Inv Pooled separate account | — | — | — | $8K | <0.1% |