Plan Ledger DOL Form 5500 · updated monthly

Dibuduo & Defendis401(k)

DIBUDUO & DEFENDIS 401(K) PROFIT SHARING PLAN · FRESNO, CA · plan year 2024

Reported admin expense ratio · 2024
0.63%

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

Dibuduo & Defendis reported $117,422 in plan administrative expenses for 2024: 0.63% of average plan assets, higher than ~75% of peers. Employer contributions averaged $1,213 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 2 years on file its reported administrative ratio fell from 0.79% to 0.63%. 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 3,640th-largest of 9,483 plans among California employers on file, and 3,063rd of 4,798 in finance & insurance. In 2024, employees put in $3.38 for every $1.00 the employer contributed; active participation has grown from 177 to 248 since 2022.

Plan summary
Net assets, end of year$19,958,956
Participants with balances197
Active participants248
Employer contributions$300,894
Employee contributions$1,016,801
Employer contribution per active participant$1,213
Average account balance$101,314
Benefits paid to participants$1,634,358
Plan auditUnmodified (clean) audit opinion
AuditorPLANCHEC(K) CPA'S LLC
Plan history3
Yearassets · accounts · employer contribution
2024$20.0M · 197 accts · $301K emplr
2023$17.5M · 186 accts · $284K emplr
2022$14.3M · 186 accts · $280K emplr
The Dibuduo & Defendis 401(k) match · 2024
Employer contribution per active participant$1,213
Median for plans this size$2,416
2024$1,213 per active participant
2023$1,607 per active participant
2022$1,584 per active participant

Dibuduo & Defendis's 2024 employer contribution ran below the $2,416 median for plans its size, in the bottom 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 · 20244
NATIONWIDE · Contract administrator · Plan administrator$7,612
ROUSH INVESTMENTS, LLC · Investment advisory (plan) · Accounting / audit$95,386
PENTEGRA SERVICES, INC. · Plan administrator · Consulting$5,034
APS-PENTEGRA · Plan administrator · Consulting$1,620

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

Recordkeeper by year2
2024Nationwide
2023Nationwide

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Administrative cost history3
2024$117,422 · 0.63%
2023$136,327 · 0.86%
2022$121,067 · 0.79%
Same employer
Similar plansFinance & Insurance · California
Albourne America LLC CA$20.3M · 0.15%
Lbs Financial Credit Union CA$20.1M · 0.07%
Lobel Financial CA$20.0M · 0.04%
Commonwealth Business Bank CA$20.0M · 0.22%
Vervent, Inc. CA$19.7M · 0.40%
Calprivate Bank CA$19.7M · 0.42%
Figure Technologies, Inc. CA$19.6M · 0.28%

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Source: U.S. Department of Labor, Form 5500 series, EIN 941530342 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.