Plan Ledger DOL Form 5500 · updated monthly

Ramos Oil Company, Inc.401(k)

RAMOS OIL COMPANY, INC. 401(K) PROFIT SHARING PLAN · WEST SACRAMENTO, CA · plan year 2023

Reported admin expense ratio · 2023
0.31%

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

Ramos Oil Company, Inc. reported $87,307 in plan administrative expenses for 2023: 0.31% of average plan assets, above the peer median. Employer contributions averaged $3,317 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 rose from 0.31% to 0.37%. The plan sits in the $10M–$50M size bracket, benchmarked here against 26,779 comparable plans and shown alongside other retail trade employers. By assets it is the 2,685th-largest of 9,483 plans among California employers on file, and the 1,033rd of 5,215 in retail trade. In 2023, employees put in $1.67 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$29,901,746
Participants with balances215
Active participants187
Employer contributions$620,333
Employee contributions$1,037,119
Employer contribution per active participant$3,317
Average account balance$139,078
Benefits paid to participants$1,990,000
Plan auditUnmodified (clean) audit opinion
AuditorMOSS ADAMS
Plan history3
Yearassets · accounts · employer contribution
2024$17.5M · 193 accts · $485K emplr
2023$29.9M · 215 accts · $620K emplr
2022$27.0M · 204 accts · $602K emplr
Administrative expenses, itemized · 2023
Recordkeeping & contract admin$87,307
Total administrative$87,307
The Ramos Oil Company, Inc. 401(k) match · 2023
Employer contribution per active participant$3,317
Median for plans this size$2,440
2024$5,842 per active participant
2023$3,317 per active participant
2022$3,440 per active participant

Ramos Oil Company, Inc.'s 2023 employer contribution ran above the $2,440 median for plans its size. 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 2023 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20232
STANCORP FINANCIAL GROUP · Claims processing · Recordkeeping$44,108
CAPFINANCIAL PARTNERS, LLC (DBA)CAP · Investment advisory (plan)$43,198

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
2023The Standard

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

Administrative cost history3
2024$87,029 · 0.37%
2023$87,307 · 0.31%
2022$86,081 · 0.31%
Same employer
Similar plansRetail Trade · California
Dick Browning, Inc. CA$31.0M · 0.48%
Criticalpoint Partners, LLC CA$30.1M · 0.63%
Torrid LLC CA$29.2M · 0.05%
Jim Burke Ford CA$28.8M · 0.24%

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Source: U.S. Department of Labor, Form 5500 series, EIN 942248416 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.