CourtListener opinion 11081383

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1 
2 
3 
4 UNITED STATES DISTRICT COURT 
5 NORTHERN DISTRICT OF CALIFORNIA 
6 
7 CONAN NADO, Case No. 24-cv-01632-AMO 

8 Plaintiff, 
 ORDER GRANTING MOTION FOR 
9 v. PRELIMINARY APPROVAL OF 
 CLASS ACTION SETTLEMENT 
10 JOHN MUIR HEALTH, et al., 
 Re: Dkt. No. 45 
 Defendants. 
11 

12 
13 Before the Court is Plaintiff's unopposed motion for preliminary approval of settlement in 
14 this ERISA putative class action. ECF 46. Because the motion was suitable for decision without 
15 oral argument, the Court vacated the motion hearing. See Fed. R. Civ. P. 78(b); Civ. L.R. 7-1. 
16 Having reviewed the motion and the arguments made therein, as well as the relevant legal 
17 authority, the Court hereby GRANTS the motion for the following reasons. 
18 I. BACKGROUND 
19 On March 15, 2024, Plaintiff Conan Nado filed this action on behalf of himself and 
20 similarly situated participants and beneficiaries of the John Muir Health 403(b) Plan ("the Plan") 
21 against Defendants John Muir Health ("John Muir") and the Board of Directors of John Muir 
22 Health ("Board") (collectively, "Defendants"). Compl. (ECF 1) ¶ 1. Defendants are fiduciaries 
23 under the Employee Retirement Income Security Act ("ERISA"), 29 U.S.C. § 1001 et seq., 
24 because they exercise discretionary authority or discretionary control over the Plan, which it 
25 sponsors and provides to its employees. Compl. ¶ 1. Nado alleges that during the putative class 
26 period – March 15, 2018 through the date of judgment – Defendants breached the duties owed to 
27 the Plan and Plan participants by paying excessive recordkeeping and administrative service fees 
1 fiduciary duty of prudence and two claims for breach of fiduciary duty of loyalty. Compl. ¶¶ 193-
2 222. The parties reached a settlement prior to class certification with the assistance of a mediator, 
3 retired Magistrate Judge Morton Denlow, and the instant motion followed on November 15, 2024. 
4 Motion for Preliminary Approval ("Mot.") (ECF 45) at 7. 
5 II. DISCUSSION 
6 The Court first summarizes the terms of the parties' proposed settlement agreement before 
7 considering whether preliminary approval and the proposed notice plan are proper. 
8 A. Terms of the Settlement 
9 Under the terms of the parties' settlement agreement, Defendant will pay $950,000 to a 
10 common settlement fund. Proposed Class Action Settlement Agreement ("Settlement") (ECF 
11 47-1) § 1.25. This amount includes attorneys' fees and costs, the cost of class notice and 
12 settlement administration, and the class representative's service award. Id. The Settlement 
13 provides that Plaintiff's counsel may request no more than one-quarter of the gross settlement 
14 amount – not to exceed $237,500 – and no more than $35,000 in litigation and settlement 
15 administration costs. Settlement §§ 1.5, 7.1. The Settlement also provides for a case contribution 
16 award of up to $5,000, at the Court's discretion. Settlement §§ 1.5, 7.1. 
17 After accounting for attorneys' fees and costs, administrative expenses, independent 
18 fiduciary fees, and case contribution awards, the net settlement amount will be distributed to the 
19 estimated 43,895 eligible class members. Settlement §§ 5.2.1-5.2.6. For class members who have 
20 an account with a positive balance in the Plan as of the date class members' shares of the 
21 Settlement are calculated, the distribution will be made into their account in the Plan. Mot. at 8. 
22 Class members who no longer have an account in the Plan shall be issued a check, unless their 
23 share is under ten dollars, in which case they will not receive any share of the fund. Id. It is 
24 estimated that approximately 7,000 class members are current participants with balances, while 
25 34,000 are former participants. Secunda Decl. ¶ 3. If checks are not cashed, the Settlement 
26 provides that those unclaimed funds will revert to the Plan to defray administrative expenses and 
27 benefit class member Plan participants. Settlement § 5.6. The Settlement also provides for non-
1 request for proposal for Plan recordkeeping services. Settlement § 6.1. In exchange for the 
2 foregoing relief, approval of the Settlement will release Defendants from all claims as described in 
3 the Settlement. Settlement §§ 8.1-8.6. 
4 B. Preliminary Approval of Class Action Settlement 
5 Under Federal Rule of Civil Procedure 23, settlement agreements that will bind absent 
6 class members must be approved by a court. Fed. R. Civ. P. 23(e). "The purpose of Rule 23(e) is 
7 to protect the unnamed members of the class from unjust or unfair settlements affecting their 
8 rights." In re Syncor ERISA Litig., 516 F.3d 1095, 1100 (9th Cir. 2008). In reviewing the 
9 proposed settlement, a court does not need to conclude that the settlement is ideal or the best 
10 outcome, but rather whether the settlement is fair, free of collusion, and consistent with plaintiff's 
11 fiduciary obligations to the class. See Hanlon v. Chrysler Corp., 150 F.3d 1011, 1027 (9th Cir. 
12 1998). Accordingly, courts may "neither rubberstamp the settlement nor unduly meddle in the 
13 parties' affairs." In re California Pizza Kitchen Data Breach Litig., 129 F.4th 667, 674 (2025). 
14 Courts considering whether to approve a class action settlement agreement employ a two-
15 step process. First, if the class action has settled prior to class certification, the court determines 
16 whether it is appropriate to certify the class, then it makes a "preliminary determination" that the 
17 settlement is "fundamentally fair, adequate and reasonable." In re Heritage Bond Litig., 546 F.3d 
18 667, 674-75 (9th Cir. 2008); see also Manual for Complex Litigation, Fourth § 21.632 (FJC 2004). 
19 If the court certifies the class and preliminarily approves the settlement, it must then "direct notice 
20 in a reasonable manner to all class members who would be bound by the proposal." Fed. R. Civ. 
21 P. 23(e)(1)(B). The second step is to hold a hearing pursuant to Rule 23(e)(2) to make a final 
22 determination that the settlement is "fair, reasonable, and adequate." When parties settle prior to 
23 class certification, courts invoke "a higher standard of fairness and a more probing inquiry than 
24 may normally be required under Rule 23(e)," Dennis v. Kellogg Co., 697 F.3d 858, 864 (9th Cir. 
25 2012), which "ensure[s] that class representatives and their counsel do not secure a 
26 disproportionate benefit at the expense of the unnamed plaintiffs who class counsel had a duty to 
27 represent," Roes, 1-2 v. SFBSC Mgmt., LLC, 944 F.3d 1035, 1049 (9th Cir. 2019). 
1 1. Class Definition and Conditional Certification 
2 The Settlement Agreement defines the class as: 
3 All persons who participated in the Plan at any time during the Class Period, including any 
 Beneficiary of a deceased Person who participated in the Plan at any time during the Class 
4 
 Period, and any Alternate Payee of a Person subject to a QDRO [qualified domestic 
5 relations order] who participated in the Plan at any time during the Class Period. Excluded 
 from the Settlement Class are the current and former members of the John Muir Health 
6 Retirement Committee during the Class Period. 
7 Settlement § 1.46. Class certification requires that a plaintiff satisfy Rule 23(a)'s four 
8 requirements – numerosity, commonality, typicality, and adequacy – and one of the bases for 
9 certification in Rule 23(b). Here, Nado has satisfied the requirements of Rule 23(a) and 23(b)(1). 
10 a. Rule 23(a) 
11 First, as for the numerosity requirement of Rule 23(a)(1), the Settlement Class includes 
12 approximately 43,895 members, Secunda Decl. ¶ 3, making it so numerous that joinder of all 
13 members is impracticable. 
14 Second, Rule 23(a)(2) commonality requires that there be "questions of fact or law 
15 common to the class." "What matters . . . is not the raising of common ‘questions' – even in 
16 droves – but, rather the capacity of a classwide proceeding to generate common answers apt to 
17 drive the resolution of the litigation." Wal-Mart Stores, Inc. v. Dukes, 564 U.S. 338, 350 (2011). 
18 The answers to the questions raised by the claims in this action – whether the Plan's 
19 recordkeeping and administrative fees were excessive, whether Plan forfeitures were allocated 
20 correctly by the Plan fiduciaries, whether Defendants breached their fiduciary duties to the Plan, 
21 and whether the Plan suffered losses from the fiduciary breaches – are common to all class 
22 members. See Reyes v. Bakery & Confectionery Union & Indus. Int'l Pension Fund, No. 14-CV-
23 05596-JST, 2015 WL 5569462, at *3 (N.D. Cal. Sept. 22, 2015) (finding commonality where 
24 "Plaintiffs' challenge . . . entail[ed] consideration of questions applicable to all members of the 
25 class as a group, and d[id] not require an inquiry into the actions and circumstances of individual 
26 plan participants."). Thus, Nado has established Rule 23(a)(2) commonality. 
27 Third, Rule 23(a)(3) requires Nado to show that "the claims or defenses of the 
1 "assure that the interest of the named representative aligns with the interests of the class." Hanon 
2 v. Dataproducts Corp., 976 F.2d 497, 508 (9th Cir. 1992). To determine whether typicality exists, 
3 courts should determine "whether other members have the same or similar injury, whether the 
4 action is based on conduct that is not unique to the named plaintiffs, and whether other class 
5 members have been injured by the same course of conduct." Id. (citing Schwartz v. Harp, 108 
6 F.R.D. 279, 282 (C.D. Cal. 1985)). "Under the rule's permissive standards, representative claims 
7 are ‘typical' if they are reasonably coextensive with those of absent members; they need not be 
8 substantially identical." Hanlon, 150 F.3d at 1020. Nado is typical of the class because he and the 
9 class members challenge Defendants' management of the Plan, so their "claims are based on the 
10 same legal theory." Hunt v. Check Recovery Sys., Inc., 241 F.R.D. 505, 511 (N.D. Cal. 2007). 
11 Fourth, Rule 23(a)(4) requires that "the representative parties fairly and adequately protect 
12 the interests of the class." This requirement "tend[s] to merge" with the commonality and 
13 typicality requirements of Rule 23(a), Amchem Prods., Inc. v. Windsor, 521 U.S. 591, 626 n.20 
14 (1997), which Nado has satisfied. The purpose of this requirement is to ensure "the interests of 
15 the class members will be fairly and adequately protected in their absence" and to consider 
16 "competency and conflicts of class counsel." General Telephone Co. of Southwest v. Falcon, 457 
17 U.S. 147, n.13 (1982). There are no signs of conflict between Nado, his counsel, and the proposed 
18 class, nor is there any suggestion Nado or his counsel would not continue to competently represent 
19 the class through resolution of this matter. Thus, the adequacy requirement is satisfied. 
20 b. Rule 23(b) 
21 In addition to satisfying the four Rule 23(a) requirements, the proposed class must satisfy 
22 one of the Rule 23(b) requirements. Nado argues that certification under Rule 23(b)(1) is 
23 appropriate, either under Rule 23(b)(1)(A) or Rule 23(b)(1)(B). "Most ERISA class action cases 
24 are certified under Rule 23(b)(1)." Kanawi v. Bechtel Corp., 254 F.R.D. 102, 111 (N.D. Cal. 
25 2008). Under Rule 23(b)(1)(A), class certification is proper where separate actions by individual 
26 class members would risk "inconsistent or varying adjudications with respect to individual class 
27 members that would establish incompatible standards of conduct for the party opposing the class." 
1 and each of them could file an individual suit challenging Defendants' management of the plan. 
2 See Reyes, 2015 WL 5569462, at *4 (concluding plaintiffs satisfied Rule 23(b)(1)(A) where 
3 thousands of potential plaintiffs could individually file suit for damages arising from the same 
4 conduct, which would "create a risk of ‘inconsistent and varying adjudications' ") (citing Kanawi, 
5 254 F.R.D. at 111). Because the Court finds certification under Rule 23(b)(1)(A) is proper, it need 
6 not address whether Nado also satisfies Rule 23(b)(1)(B). See Reyes, 2015 WL 5569462 at *4 
7 (declining to address whether plaintiffs also satisfied Rule 23(b)(1)(B) or Rule 23(b)(2) where the 
8 court determined plaintiffs had satisfied Rule 23(b)(1)(A)); see also Hernandez v. Cnty. of 
9 Monterey, 305 F.R.D. 132, 164 n.226 (N.D. Cal. 2015). Because the proposed class satisfies Rule 
10 23(a) and Rule 23(b)(1), the Court grants Nado's motion for conditional certification. 
11 2. The Settlement Agreement Appears Fair and Reasonable 
12 Having determined that class certification is proper, the Court must next determine 
13 whether the settlement is "fundamentally fair, adequate and reasonable." In re Heritage Bond 
14 Litig., 546 F.3d at 674-75. Preliminary approval is appropriate where a court makes an initial 
15 finding that (1) the class representatives and class counsel have adequately represented the class; 
16 (2) the proposal was negotiated at arm's length; (3) the relief provided for the class is adequate, 
17 and (4) the proposal treats class members equitably relative to each other. Fed. R. Civ. P. 
18 23(e)(2). As discussed below, each of these factors is met. 
19 a. Adequate Representation 
20 First, the Court must determine whether the class representatives and class counsel have 
21 adequately represented the class. Counsel has litigated dozens of cases involving retirement plans, 
22 including cases involving ERISA violations by healthcare institutions, Secunda Decl. ¶¶ 14-15, 
23 demonstrating experience and competence. This is an "indication that Plaintiff[] ha[s] adequately 
24 represented the class." Cottle v. Plaid Inc., 340 F.R.D. 356, 376 (N.D. Cal. 2021) (citing In re 
25 Pac. Enters. Sec. Litig., 47 F.3d 373, 378 (9th Cir. 1995) ("Parties represented by competent 
26 counsel are better positioned than courts to produce a settlement that fairly reflects each party's 
27 expected outcome in litigation.")). Nado, too, has "take[n] [his] duties as a class representative 
1 information and documents to counsel, demonstrating his participation in the prosecution of the 
2 case. Nado Decl. ¶ 4. Thus, the first factor is met. See In re Google LLC St. View Elec. 
3 Commc'ns Litig., 611 F. Supp. 3d 872, 890 (N.D. Cal. 2020), aff'd sub nom. In re Google Inc. St. 
4 View Elec. Commns Litig., 21 F.4th 1102 (9th Cir. 2021) (finding adequate representation where 
5 plaintiffs "vigorously represented the class" by providing information and evidence and where 
6 "counsel are experienced class action litigators"). 
7 b. Arm's Length 
8 Class action settlements present the risk that "class counsel may collude with the 
9 defendants, tacitly reducing the overall settlement in return for a higher attorney's fee." In re 
10 Bluetooth Headset Prods. Liab. Litig., 654 F.3d 935, 946 (9th Cir. 2011). For that reason, courts 
11 must not approve a settlement that shows signs of collusion or fraud, suggesting the agreement 
12 was not reached as a product of arm's length negotiation. See Rodriguez v. W. Publ'g Corp., 563 
13 F.3d 948, 967 (9th Cir. 2009). Courts look for three "subtle signs that class counsel have allowed 
14 pursuit of their own self-interests and that of certain class members to infect the negotiations," id., 
15 including "(1) when counsel receives a disproportionate distribution of the settlement; (2) when 
16 the parties negotiate a ‘clear sailing arrangement,' under which the defendant agrees not to 
17 challenge a request for an agreed-upon attorney's fee; and (3) when the agreement contains a 
18 ‘kicker' or ‘reverter' clause that returns unawarded fees to the defendant, rather than the class." 
19 Briseño v. Henderson, 998 F.3d 1014, 1023 (9th Cir. 2021) (quoting Bluetooth, 654 F.3d at 947). 
20 Where these "subtle signs" are present, the proposed settlement "must withstand an even higher 
21 level of scrutiny for evidence of collusion or other conflicts of interest than is ordinarily required." 
22 Bluetooth, 654 F.3d at 946. 
23 First, it does not appear that counsel will receive a disproportionate distribution of the 
24 settlement. The Settlement provides that counsel may request up to one-quarter of the gross 
25 settlement amount. Settlement § 1.5. Counsel may also request reimbursement for costs and 
26 expenses, not to exceed $35,000. Id. Courts deciding whether to award attorneys' fees and costs 
27 in a common fund case may choose either the lodestar method or the percentage-of-the-fund. 
1 common fund is the benchmark under the percentage-of-recovery method, see Bluetooth, 654 F.3d 
2 at 942, so the first "subtle sign" is not present here. See Cottle, 340 F.R.D. at 376-77 ("The court 
3 will address the exact amount of fees to be awarded in the order for final approval. At this stage, 
4 however, it does not appear that counsel will receive a disproportionate share of the settlement."). 
5 The second "subtle sign" is when a settlement agreement includes a "clear sailing" 
6 arrangement, under which the defendant agrees not to challenge a request for agreed-upon 
7 attorneys' fees. Though Defendants do not oppose the motion for preliminary approval, any 
8 awarded attorneys' fees will come from the settlement fund. Settlement §§ 5.2.1-5.2.6. Thus this 
9 is not a "clear sailing" arrangement. See Bluetooth, 654 F.3d at 947 (noting a "clear sailing" 
10 arrangement exists where the parties agree the payment of attorneys' fees will be "separate and 
11 apart from class funds, which carries ‘the potential of enabling a defendant to pay class counsel 
12 excessive fees and costs in exchange for counsel accepting an unfair settlement on behalf of the 
13 class' "). 
14 The third "subtle sign" is a "kicker" or "reverter" clause providing that unawarded attorney 
15 fees be returned to the defendant, rather than the class. The Settlement provides that the 
16 unclaimed funds from uncashed checks will revert to the Plan to defray administrative expenses 
17 and benefit class member Plan participants, and the Plan as a whole. Settlement § 5.6. Where a 
18 settlement provides for a reversion of unclaimed funds, plaintiff should "provide an explanation 
19 why [that] is appropriate." Dudum v. Carter's Retail, Inc., No. 14-CV-00988-HSG, 2015 WL 
20 5185933, at *3 (N.D. Cal. Sept. 4, 2015). Nado explains that reversion is appropriate here because 
21 "practically speaking, the amount of the Settlement Fund that reverts due to uncashed checks is 
22 typically so small that dividing it pro rata among Class Members is not administratively feasible." 
23 Mot. at 9. This is "a sufficient basis to find that full briefing" in the motion for final approval 
24 "could support the reasonableness of the terms discussed." Dudum, 2015 WL 5185933, at *3. 
25 The court may also consider the means through which the parties reached settlement in 
26 determining whether the settlement is the product of collusion or fraud. See Chun-Hoon v. McKee 
27 Foods Corp., 716 F. Supp. 2d 848, 851 (N.D. Cal. 2010) (citing Manual for Complex Litigation 
1 Judge Morton Denlow, and such use of a mediator "tends to support the conclusion that the 
2 settlement process was not collusive." Villegas v. J.P. Morgan Chase & Co., No. CV 09-00261 
3 SBA EMC, 2012 WL 5878390, at *6 (N.D. Cal. Nov. 21, 2012); see also Reyes v. Bakery and 
4 Confectionary Union and Inudstry Int'l Pension Fund, No. 14-cv-5596-JST, 2017 WL 7243239 
5 (N.D. Cal. 2017). In sum, the Court finds no "subtle signs" of collusion or fraud and thus 
6 concludes the Settlement was made at arm's length. 
7 c. Fair and Adequate Terms 
8 Rule 23(e)(2)(C) requires that the relief provided for the class is adequate, taking into 
9 account (i) the costs, risks, and delay of trial and appeal; (ii) the effectiveness of any proposed 
10 method of distributing relief to the class, including the method of processing class-member claims; 
11 (iii) the terms of any proposed award of attorney's fees, including timing of payment; and (iv) any 
12 agreement required to be identified under Rule 23(e)(3) (which requires that "the parties seeking 
13 approval must file a statement identifying any agreement made in connection with the proposal"). 
14 First, the proposed settlement amount is $950,000. Settlement § 1.46. Plaintiff estimates 
15 that the total alleged estimated loss was approximately $6.9 million. Secunda Decl. ¶ 4. Thus, the 
16 settlement amount represents 13.7 percent of the total estimated losses. Id. This is consistent with 
17 other ERISA class actions that allege similar claims. See Mot. at 15 (collecting cases); Exhibits 2-
18 3 (ECF 46-2, ECF 46-3). The Settlement also provides for injunctive relief. Within two years of 
19 the Settlement Effective Date, Defendants will conduct a request for proposal for Plan 
20 recordkeeping services. Settlement § 6.1. Nado notes that for class members in their 40s and 
21 younger, even a one percent reduction in Plan fees each year could result in tens of thousands of 
22 dollars of savings over decades. Mot. at 14-15 (citing a Department of Labor resource explaining 
23 the long-term impact of reducing plan fees). Consequently, this settlement is significant, and 
24 without it, Plaintiff would have faced risks, costs, and delays in pursuing further litigation. The 
25 Court may have dismissed the case on summary judgment, and if not, there would be the risk that 
26 resolution and distribution of funds would take years due to lengthy appeal processes in complex 
27 ERISA cases such as this one. Mot at 15; see Gruber v. Grifols Shared Servs. North America, 
1 particularly in light of ongoing litigation risks, including the risks of a summary judgment ruling 
2 in defendant's favor or a long appeal process before any funds could be distributed). 
3 Second, the proposed method of distributing relief to the class is effective. The Settlement 
4 provides that current Plan participants will have their Plan accounts automatically credited with 
5 their share of the Settlement, and former Plan participants will receive their share by check. No 
6 class member will have to complete a claim form. Third, as discussed above, the Settlement limits 
7 the amount class counsel can request in attorneys' fees, and that limit is reasonable. Finally, as 
8 required by Fed. R. Civ. P. 23(e)(2)(C)(i), the Settlement states that no other agreement has been 
9 made in connection with the proposed settlement. See Settlement § 15.20 ("This Settlement 
10 Agreement and the exhibits attached hereto constitute the entire agreement among the Settling 
11 Parties . . . ."). In sum, application of the Rule 23(e)(2)(C) factors indicates the settlement amount 
12 and distribution plan are fair and adequate. 
13 d. Equitable Treatment of Class Members 
14 Rule 23(e)(2)(D) requires the Court to determine whether "the proposal treats class 
15 members equitably relative to each other." Here, that is the case, as the Settlement provides that 
16 the fund amount will be distributed among class members on a pro rata basis using the same 
17 formula to calculate payments for all class members – both current and former Plan participants. 
18 See Mot. at 16-17; Proposed Allocation Plan (ECF 47-3); see also De La Torre v. CashCall, Inc., 
19 No. 08-CV-03174-MEJ, 2017 WL 2670699, at *9 (N.D. Cal. June 21, 2017) (finding a pro rata 
20 distribution plan did "not favor certain Class Members over others"); Rubio-Delgado v. Aerotek, 
21 Inc., 2015 WL 3623627, at *8 (N.D. Cal. June 10, 2015) ("Every class member will be treated 
22 equally, and have an equal opportunity to claim a pro rata share of the settlement fund."). 
23 Because the Rule 23(e)(2) factors have been satisfied, the settlement is preliminarily 
24 approved, and the Court next considers the parties' proposed plan for notifying the class. 
25 C. Notice Plan 
26 Where a court preliminarily approves a settlement, it must "direct notice in a reasonable 
27 manner to all class members who would be bound by the proposal." Fed. R. Civ. P. 23(e)(1)(B). 
1 members who can be identified through reasonable effort. Fed. R. Civ. P. 23(c)(2)(B). Due 
2 process requires "notice reasonably calculated, under all the circumstances, to apprise interested 
3 parties of the pendency of the action and afford them an opportunity to present their objections." 
4 Mullane v. Cent. Hanover Bank & Tr. Co., 339 U.S. 306, 314 (1950). 
5 Nado's proposed notice is adequate, as it sufficiently informs class members of the terms 
6 of and their rights under the Settlement, how to object, how to receive payment, and details 
7 regarding the final approval hearing. See Proposed Class Notice (ECF 47-2); Churchill Vill., 
8 L.L.C. v. Gen. Elec., 361 F.3d 566, 575 (9th Cir. 2004) ("Notice is satisfactory if it ‘generally 
9 describes the terms of the settlement in sufficient detail to alert those with adverse viewpoints to 
10 investigate and to come forward and be heard.' "). Nado's notice plan is also adequate. Notice 
11 will be mailed to all class via U.S. mail, and the settlement administrator will attempt to identify 
12 updated mailing addresses for any class members whose initial notice is returned as undeliverable 
13 and remail the notice to that address. Simmons Decl. (ECF 49) ¶¶ 12, 21. The notice features 
14 conspicuous messages on the outside indicating the mail is an important court document, and the 
15 body of the notice provides a summary and question-and-answer section designed to make it easy 
16 for readers to understand key information and their options. Simmons Decl. ¶¶ 34-36. In addition 
17 to receiving mailed notices, class members will be able to access the notice via a website and can 
18 request that a notice be mailed to them via a toll-free telephone line. Simmons Decl. ¶¶ 13, 21. 
19 Class members will also be able to call the telephone line to listen to pre-recorded answers to 
20 frequently asked questions at any time and speak to a call center agent during business hours. 
21 Simmons Decl. ¶ 24. Considering the fact that the settlement class members are known and 
22 addresses are available for nearly all of them, Simmons Decl. ¶ 16, the Court agrees this plan is 
23 "reasonably calculated" to notify class members of the settlement and their rights. Mullane, 339 
24 U.S. at 314. 
25 As for the settlement administrator, Nado obtained multiple competing bids from potential 
26 administrators, and ultimately selected Analytics Consulting LLC as it offered the lowest cost for 
27 the materially same settlement administration services, had more experience with ERISA fee cases 
1 Decl. ¶¶ 28-30. 
2 The proposed notice plan is therefore approved. 
3 III. CONCLUSION 
4 For the foregoing reasons, the Court GRANTS Nado's motion and ORDERS as follows: 
5 1. A hearing (the "Fairness Hearing") shall be held before this Court on December 11, 2025, at 
6 2:00 p.m. at the United States District Court for the Northern District of California, San 
7 Francisco Courthouse, Courtroom 10, 19th Floor, to determine: (a) whether the Court should 
8 approve the Settlement as fair, reasonable, and adequate; (b) whether the Court should enter 
9 the Final Approval Order; and (c) whether the Court should approve any motion for attorneys' 
10 fees and costs, administrative expenses, and case contribution award. 
11 2. The Court approves and orders that Analytics Consulting, LLC, shall be the Settlement 
12 Administrator responsible for carrying out the responsibilities set forth in the Settlement. 
13 a. The Settlement Administrator shall use the data provided by Defendants and the Plans' 
14 recordkeeper solely for the purpose of meeting its obligations as Settlement 
15 Administrator, and for no other purpose. 
16 b. The parties shall have the right to approve a written protocol to be provided by the 
17 Settlement Administrator concerning how the Settlement Administrator will maintain, 
18 store, and dispose of information provided to it in order to ensure that reasonable and 
19 necessary precautions are taken to safeguard the privacy and security of such 
20 information and provided by this District's Data Protection Checklist. 
21 3. The following Settlement Class is preliminarily certified for settlement purposes only pursuant 
22 to Fed. R. Civ. P. 23(b)(1): 
23 All persons who participated in the Plan at any time during the Class Period, including 
 any Beneficiary of a deceased Person who participated in the Plan at any time during 
24 
 the Class Period, and any Alternate Payee of a Person subject to a QDRO who 
25 participated in the Plan at any time during the Class Period. Excluded from the 
 Settlement Class are the current and former members of the John Muir Health 
26 Retirement Committee during the Class Period. 
27 The Court appoints Conan Nado as representative for the Class and appoints Walcheske & 
1 4. The Court approves the text of the settlement notice, which is the proposed form of notice 
2 regarding the Settlement for mailing to Class Members. ECF 47-2. 
3 a. The Settlement Administrator shall send by first-class mail the appropriate Settlement 
4 Notice to each Class Member within forty-five (45) calendar days of the date of this 
5 Order, based on data provided by the Plan's recordkeeper. The Settlement Notices 
6 shall be sent to the last known address of each Class Member provided by the Plan's 
7 recordkeeper (or its designee), unless an updated address is obtained by the Settlement 
8 Administrator through its efforts to verify the last known addresses provided by the 
9 Plan's recordkeeper (or its designee). The Settlement Administrator shall use 
10 commercially reasonable efforts to locate any Class Member whose Settlement Notice 
11 is returned and resend such documents one additional time. 
12 b. On or before the date that the Settlement Notice is sent to the Settlement Class, the 
13 Settlement Administrator shall establish a Settlement Website and telephone support 
14 line as provided by the Settlement Agreement. The Settlement Administrator shall post 
15 a copy of the Settlement Notice on the Settlement Website. 
16 5. The Court approves the form of the Class Action Fairness Act ("CAFA") Notice attached as 
17 Exhibit E to the Settlement Agreement and orders that upon mailing of the CAFA Notices, 
18 Defendants shall have fulfilled their obligations under CAFA. 
19 6. Any objections to any aspect of the Settlement shall be heard, and any papers submitted in 
20 support of said objections shall be considered, by the Court at the Fairness Hearing if they 
21 have been timely and properly filed with the Clerk of Court. To be timely, the objection and 
22 any supporting documents must be sent to the Court at least fourteen (14) calendar days prior 
23 to the scheduled Fairness Hearing. Any person wishing to speak at the Fairness Hearing shall 
24 file and serve a notice of intent to participate within the time limitation set forth above. 
25 7. Any party may file a response to an objection by a Class Member at least seven (7) calendar 
26 days before the Fairness Hearing, and Class Counsel shall file a motion for entry of the Final 
27 Approval Order (as defined in the Settlement Agreement) at least sixty (60) calendar days 
 1 Attorneys' Fees and Costs, Administrative Expenses, and Case Contribution Award no later 
 2 than sixty (60) days prior to the Fairness Hearing. 
 3 8. Until this Court determines whether or not to finally approve the Settlement Agreement, no 
 4 Class Member may, directly, through representatives, or in any other capacity, commence any 
 5 action or proceeding in any court or tribunal asserting any of the Released Claims against 
 6 Defendants, the Released Parties, and/or the Plan as set forth in the Settlement Agreement. 
 7 9. The Court may adjourn, modify, or continue the Fairness Hearing without further direct notice 
 8 to the Class Members, other than by notice via the Court's docket or the Settlement Website. 
 9 
 10 IT IS SO ORDERED. 
 11 Dated: June 20, 2025 
xs 12 1. = 
 coh 
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 4 ARACELI MARTINEZ-OLGUIN 
 5 United States District Judge 
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