Plan Ledger DOL Form 5500 · updated monthly

At-Bay, Inc.401(k)

AT-BAY, INC. 401(K) PLAN · MOUNTAIN VIEW, CA · plan year 2024

Reported admin expense ratio · 2024
0.70%

Peer grade: B · admin costs + employer contributions vs same-size plans · how grading works

At-Bay, Inc. reported $80,681 in plan administrative expenses for 2024: 0.70% of average plan assets, higher than ~90% of peers. Employer contributions averaged $5,931 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.

Across the 1 year on file its reported administrative ratio rose from 0.14% to 0.70%. The plan sits in the $10M–$50M size bracket, benchmarked here against 27,838 comparable plans and shown alongside other finance & insurance employers. By assets it is the 4,547th-largest of 9,483 plans among California employers on file, and 3,588th of 4,798 in finance & insurance. In 2024, employees put in $2.02 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$14,118,017
Participants with balances260
Active participants221
Employer contributions$1,310,643
Employee contributions$2,641,666
Employer contribution per active participant$5,931
Average account balance$54,300
Benefits paid to participants$1,861,194
Plan auditUnmodified (clean) audit opinion
Plan history2
Yearassets · accounts · employer contribution
2024$14.1M · 260 accts · $1.3M emplr
2023$9.0M · 233 accts · $1.8M emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$32,498
Investment management$48,183
Total administrative$80,681
The At-Bay, Inc. 401(k) match · 2024
Employer contribution per active participant$5,931
Median for plans this size$2,416
2024$5,931 per active participant
2023$9,999 per active participant

At-Bay, Inc.'s 2024 employer contribution ran above the $2,416 median for plans its size, placing it in the top quarter of its peers. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.

What these fees cost you

Annual cost at the plan's reported 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20243
CREATIVE PLANNING, LLC · Investment advisory (plan)$48,183
PRINCIPAL LIFE INSURANCE COMPANY · Contract administrator · Loan processing$32,498
CREATIVE PLANNING, LLC · Investment advisory (participants)indirect comp

Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.

Administrative cost history2
2024$80,681 · 0.70%
2023$8,917 · 0.14%
Same employer
Similar plansFinance & Insurance · California
Velo-Payments Inc. CA$14.3M · 0.13%
Spherecommerce, LLC CA$14.2M · 0.11%
United Security Bank CA$14.2M · 0.24%
Assemi Group, Inc. CA$14.2M · 0.14%
Solar Mosaic LLC CA$13.9M · 0.08%

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Source: U.S. Department of Labor, Form 5500 series, EIN 813719687 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.