Plan Ledger DOL Form 5500 · updated monthly

Creative Center of Los Altos403(b)

PINEWOOD-OAKWOOD SCHOOL 403(B) RETIREMENT PLAN · LOS ALTOS, CA · plan year 2024

Reported admin expense ratio · 2024
0.12%

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

Creative Center of Los Altos reported $46,973 in plan administrative expenses for 2024: 0.12% of average plan assets, lower than ~75% of peers. Employer contributions averaged $5,964 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 3 years on file its reported administrative ratio has held roughly steady near 0.12%. The plan sits in the $10M–$50M size bracket, benchmarked here against 27,838 comparable plans and shown alongside other educational services employers. By assets it is the 2,063rd-largest of 9,483 plans among California employers on file, and the 1,051st of 3,091 in educational services. In 2024, employees put in $1.77 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$41,464,487
Participants with balances311
Active participants208
Employer contributions$1,240,582
Employee contributions$2,198,187
Employer contribution per active participant$5,964
Average account balance$133,326
Benefits paid to participants$2,743,457
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2024$41.5M · 311 accts · $1.2M emplr
2023$36.2M · 299 accts · $1.1M emplr
2022$29.9M · 286 accts · $899K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$13,811
Investment management$14,721
Audit (IQPA)$13,773
Total administrative$46,973
Employer contributions to the Creative Center of Los Altos plan · 2024
Employer contribution per active participant$5,964
Median for plans this size$2,416
2024$5,964 per active participant
2023$5,361 per active participant
2022$4,612 per active participant

Creative Center of Los Altos'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
CBIZ INVESTMENT ADVISORY SERVICES · Investment advisory (participants) · Investment advisory (plan)$14,346
TIAA - TEACHERS INSURANCE AND ANNUI · Accounting / audit$13,811
ARMANINO LLP · Custodial$13,773

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

Administrative cost history3
2024$46,973 · 0.12%
2023$53,672 · 0.16%
2022$35,004 · 0.13%
Same employer
Similar plansEducational Services · California
The Thacher School CA$43.2M · 0.12%
Pathways in Education, Inc. CA$42.8M · 0.60%
Khan Academy, Inc. CA$41.4M · 0.31%
Cate School CA$41.0M · 0.12%
The Nueva School CA$41.0M · 0.15%

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Source: U.S. Department of Labor, Form 5500 series, EIN 941527492 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.