Plan Ledger DOL Form 5500 · updated monthly

Nations Finest401(k)

NATION'S FINEST RETIREMENT PLAN · SANTA ROSA, CA · plan year 2024

Reported admin expense ratio · 2024
0.62%

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

Nations Finest reported $12,350 in plan administrative expenses for 2024: 0.62% of average plan assets, above the peer median. Employer contributions averaged $3,435 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 0.31% to 0.62%. The plan sits in the $1M–$10M size bracket, benchmarked here against 18,840 comparable plans and shown alongside other other services employers. By assets it is among the smaller plans on file in California (7,963rd of 9,483), and 2,707th of 3,341 in other services. In 2024, the employer put in $1.35 for every $1.00 employees contributed themselves.

Plan summary
Net assets, end of year$2,762,496
Participants with balances305
Active participants239
Employer contributions$820,977
Employee contributions$606,193
Employer contribution per active participant$3,435
Average account balance$9,057
Benefits paid to participants$138,242
Plan auditUnmodified (clean) audit opinion
Plan history2
Yearassets · accounts · employer contribution
2024$2.8M · 305 accts · $821K emplr
2023$1.2M · 177 accts · $524K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$12,350
Total administrative$12,350
The Nations Finest 401(k) match · 2024
Employer contribution per active participant$3,435
Median for plans this size$1,313
2024$3,435 per active participant
2023$2,894 per active participant

Nations Finest's 2024 employer contribution ran above the $1,313 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
THE VANGUARD GROUP, INC. · Recordkeeping · Loan processing$9,354
RELATION INSURANCE SERVICES$6,475
KESTRA ADVISORY SERVICES · Consulting · Investment advisory (participants)$6,251

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

Recordkeeper by year2
2024Vanguard
2023Vanguard

Looking for an account from a past job here? How to find an old 401(k).

Administrative cost history2
2024$12,350 · 0.62%
2023$3,781 · 0.31%
Same employer
Similar plansOther Services · California
Broadbase Inc CA$2.9M · 0.94%
Promesa Behavioral Health CA$2.8M · 0.72%
Clare Matrix CA$2.7M · 0.24%
Douglas Parking, LLC CA$2.7M · 1.37%

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Source: U.S. Department of Labor, Form 5500 series, EIN 942699571 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.