Plan Ledger DOL Form 5500 · updated monthly

Raley's401(k)

RALEY'S 401(K) RETIREMENT SAVINGS PLAN · WEST SACRAMENTO, CA · plan year 2024

Reported admin expense ratio · 2024
0.11%

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

Raley's reported $694,641 in plan administrative expenses for 2024: 0.11% of average plan assets, above the peer median. Employer contributions averaged $523 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 0.13% to 0.11%. The plan sits in the $250M–$1B size bracket, benchmarked here against 2,883 comparable plans and shown alongside other retail trade employers. By assets it is the 199th-largest of 9,483 plans among California employers on file, and the 97th of 5,215 in retail trade. In 2024, employees put in $2.85 for every $1.00 the employer contributed; active participation has grown from 13,555 to 17,670 since 2022.

Plan summary
Net assets, end of year$639,708,766
Participants with balances9,767
Active participants17,670
Employer contributions$9,246,166
Employee contributions$26,330,743
Employer contribution per active participant$523
Average account balance$65,497
Benefits paid to participants$67,030,913
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2024$639.7M · 9,767 accts · $9.2M emplr
2023$584.5M · 10,042 accts · $12.5M emplr
2022$387.6M · 7,042 accts · $6.5M emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$694,641
Total administrative$694,641
The Raley's 401(k) match · 2024
Employer contribution per active participant$523
Median for plans this size$4,294
2024$523 per active participant
2023$717 per active participant
2022$482 per active participant

Raley's's 2024 employer contribution ran below the $4,294 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
PRINCIPAL LIFE INSURANCE COMPANY · Contract administrator · Loan processing$694,641
MORNINGSTAR INVESTMENT MANAGEMENT L · Investment advisory (participants)indirect comp
SAGEVIEW ADVISORY GROUP, LLC · Investment advisory (participants)indirect comp
MOSS ADAMS LLP · Accounting / auditindirect comp

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$694,641 · 0.11%
2023$620,132 · 0.13%
2022$589,643 · 0.13%
Same employer
Similar plansRetail Trade · California
Ebay Inc. CA$2.0B · 0.01%
Ross Stores, Inc. CA$1.0B · 0.06%
The Save Mart Companies CA$993.0M · 0.11%
Williams-Sonoma, Inc. CA$882.6M · 0.08%
Sephora USA Inc. CA$600.1M · 0.22%
Hft Holdings, Inc. CA$473.9M · 0.16%
Central Garden & Pet Company CA$444.3M · 0.06%

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Source: U.S. Department of Labor, Form 5500 series, EIN 941316611 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.