Plan Ledger DOL Form 5500 · updated monthly

Gardner Pool Company, Inc.401(k)

GARDNER OUTDOOR AND POOL REMODELING 401(K) PLAN · EL CAJON, CA · plan year 2024

Reported admin expense ratio · 2024
0.43%

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

Gardner Pool Company, Inc. reported $21,007 in plan administrative expenses for 2024: 0.43% of average plan assets, below the peer median. Employer contributions averaged $608 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 0.61% to 0.43%. The plan sits in the $1M–$10M size bracket, benchmarked here against 18,840 comparable plans and shown alongside other construction employers. By assets it is among the smaller plans on file in California (6,900th of 9,483), and 3,920th of 5,337 in construction. In 2024, employees put in $4.70 for every $1.00 the employer contributed; active participation has grown from 142 to 157 since 2022.

Plan summary
Net assets, end of year$5,309,478
Participants with balances123
Active participants157
Employer contributions$95,493
Employee contributions$448,576
Employer contribution per active participant$608
Average account balance$43,166
Benefits paid to participants$283,658
Plan auditUnmodified (clean) audit opinion
AuditorOZUROVICH & ASSOCIATES
Plan history3
Yearassets · accounts · employer contribution
2024$5.3M · 123 accts · $95K emplr
2023$4.5M · 124 accts · $125K emplr
2022$3.6M · 118 accts · $3K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$3,493
Investment management$17,514
Total administrative$21,007
The Gardner Pool Company, Inc. 401(k) match · 2024
Employer contribution per active participant$608
Median for plans this size$1,313
2024$608 per active participant
2023$850 per active participant
2022$20 per active participant

Gardner Pool Company, Inc.'s 2024 employer contribution ran below the $1,313 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 · 20243
STANCORP · Claims processing · Recordkeeping$24,635
CAMBRIDGE INVESTMENT RESEARCH, INC. · Investment advisory (plan)$13,034
MCNAUGHTON WEALTH MANAGEMENT LLC · Investment advisory (plan)$4,479

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

Recordkeeper by year2
2024The Standard
2023Securian

This plan has changed recordkeepers within these filings. If you left Gardner Pool Company, Inc. before a switch, your account may sit at the earlier firm or in a rollover IRA. Looking for an account from a past job here? How to find an old 401(k).

Administrative cost history3
2024$21,007 · 0.43%
2023$22,296 · 0.56%
2022$21,957 · 0.61%
Similar plansConstruction · California
A-C Electric Company CA$5.4M · 0.32%
T. McGee Electric, Inc CA$5.3M · 0.59%
Proven Management, Inc. CA$5.0M · 0.18%

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Source: U.S. Department of Labor, Form 5500 series, EIN 205783897 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.