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| Provider | Service type | Compensation |
|---|---|---|
NORTHERN TRUST COMPANY5 years Filed as: NORTHERN TRUST Service code 21 · EIN 36-1561860 201 SOUTH LAKE AVENUE, SUITE 600 · PASADENA, CA 91101 | Bank Trustee | $38,064 |
BENESYS, INC.5 years Filed as: BENESYS ADMINISTRATORS Service code 13 · EIN 38-2383171 1050 LAKE DRIVE, SUITE 120 · WEST COVINA, CA 91790 | Contract Administrator | $21,048 |
MCGOWAN GUNTERMANN10+ years Service code 13 · EIN 95-3680171 200 E. CARRILLO STREET, SUITE 300 · SANTA BARBARA, CA 93101 | Contract Administrator | $10,000 |
3 funds of $250K or more; 13 lines in all, holding $4.3M of the plan's $4.5M. From the 2024 filing. Recordkeeper: Benesys.
| Fund | Dollars | % of funds% |
|---|---|---|
| Mfb Northern Funds BD Index FD Northern Trust · Mutual fund Index | $1.3M | 30.8% |
| MFB Northern Funds Stock Index Fund Northern Trust · Mutual fund Index | $1.2M | 28.2% |
| Northern MFB Northern Equity Index Funds Intl Eqt Index Fund Northern Trust · Mutual fund Index | $460K | 10.6% |
| Northern MFC Flexshares Trust Iboxx 3 Year Target Duration TIPS Index Northern Trust · Mutual fund Index | $247K | 5.7% |
| MFB Northern Funds Emerging Markets Equity Index Fund Northern Trust · Mutual fund Index | $240K | 5.6% |
| MFO Vanguard Inflation Protected Securities Fund Admiral Vanguard · Mutual fund | $159K | 3.7% |
| Northern MFC Flexshares TR Morningstar Global Upstream Nat Res Index Fund Northern Trust · Mutual fund Index | $148K | 3.4% |
| Northern MFB Northern High Yield Fixed Income Fund Northern Trust · Mutual fund | $122K | 2.8% |
| Mfo DFA Intl Small CO Portfolio FD Dimensional · Mutual fund | $84K | 2.0% |
| Northern MFB Northern Equity Index Funds Mid Cap Index Fund Northern Trust · Mutual fund Index | $80K | 1.9% |
Covers 61,314 large plans that list their funds in their annual filing. Updated Nov 2, 2026. Shares describe these plans, not the whole market.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
The auditor signed off without reservation. This is the cleanest opinion.