Plan Ledger DOL Form 5500 · updated monthly

Rancho Santa Fe Association401(k)

RANCHO SANTA FE ASSOCIATION 401(K) PLAN · RANCHO SANTA FE, CA · plan year 2024

Reported admin expense ratio · 2024
0.47%

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

Rancho Santa Fe Association reported $42,437 in plan administrative expenses for 2024: 0.47% of average plan assets, below the peer median. Employer contributions averaged $5,983 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 0.47%. 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 (5,531st of 9,483), and 1,681st of 3,341 in other services. In 2024, employees put in $1.12 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$9,740,579
Participants with balances166
Active participants124
Employer contributions$741,902
Employee contributions$831,676
Employer contribution per active participant$5,983
Average account balance$58,678
Benefits paid to participants$1,207,592
Plan auditUnmodified (clean) audit opinion
AuditorWEWORSKI & ASSOCIATES
Plan history3
Yearassets · accounts · employer contribution
2024$9.7M · 166 accts · $742K emplr
2023$8.3M · 177 accts · $605K emplr
2022$6.7M · 177 accts · $577K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$18,544
Investment management$23,893
Total administrative$42,437
The Rancho Santa Fe Association 401(k) match · 2024
Employer contribution per active participant$5,983
Median for plans this size$1,313
2024$5,983 per active participant
2023$4,518 per active participant
2022$4,407 per active participant

Rancho Santa Fe Association'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
ADP, INC. · Recordkeeping$24,772
CORNERSTONE WEALTH ADVISORS, INC. · Recordkeeping · Trustee$17,664
ADP BROKER-DEALERindirect comp

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

Recordkeeper by year2
2024ADP, CORNERSTONE WEALTH ADVISORS, INC.
2023ADP, CORNERSTONE WEALTH ADVISORS, INC.

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Administrative cost history3
2024$42,437 · 0.47%
2023$44,965 · 0.60%
2022$39,218 · 0.61%
Similar plansOther Services · California
Thermo King Fresno, Inc. CA$10.3M · 0.28%
Singer Vehicle Design CA$9.9M · 0.90%
Cotton on USA, Inc. CA$9.5M · 0.95%

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Source: U.S. Department of Labor, Form 5500 series, EIN 951132930 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.