Plan Ledger DOL Form 5500 · updated monthly

San Luis Obispo County Farm Supply401(k)

SAN LUIS OBISPO COUNTY FARM SUPPLY 401(K) PROFIT SHARING PLAN · SAN LUIS OBISPO, CA · plan year 2025

Reported admin expense ratio · 2025
0.55%

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

San Luis Obispo County Farm Supply reported $62,106 in plan administrative expenses for 2025: 0.55% of average plan assets, higher than ~75% of peers. Employer contributions averaged $910 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 3 years on file its reported administrative ratio fell from 0.76% to 0.55%. The plan sits in the $10M–$50M size bracket, benchmarked here against 1,620 comparable plans and shown alongside other retail trade employers. By assets it is among the smaller plans on file in California (4,973rd of 9,483), and the 2,276th of 5,215 in retail trade. In 2025, employees put in $2.53 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$12,009,728
Participants with balances99
Active participants111
Employer contributions$101,002
Employee contributions$255,279
Employer contribution per active participant$910
Average account balance$121,310
Benefits paid to participants$707,563
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$12.0M · 99 accts · $101K emplr
2024$10.5M · 150 accts · $186K emplr
2023$11.0M · 150 accts · $211K emplr
2022$9.4M · 117 accts · $192K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$4,421
Investment management$51,635
Trustee / custodial$6,050
Total administrative$62,106
The San Luis Obispo County Farm Supply 401(k) match · 2025
Employer contribution per active participant$910
Median for plans this size$2,666
2025$910 per active participant
2024$1,695 per active participant
2023$1,935 per active participant
2022$1,639 per active participant

San Luis Obispo County Farm Supply's 2025 employer contribution ran below the $2,666 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 2025 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20253
JULY BUSINESS SERVICES LLC · Contract administrator · Recordkeeping$4,421
CERITY PARTNERS · Pension consulting · Investment advisory (participants)$51,635
CHARLES SCHWAB BANK · Custodial · Trustee$6,050

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

Recordkeeper by year3
2025July Business Services
2024July Business Services
2023DIGITAL RETIREMENT SOLUTIONS, INC.

This plan has changed recordkeepers within these filings. If you left San Luis Obispo County Farm Supply 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 history4
2025$62,106 · 0.55%
2024$79,547 · 0.74%
2023$73,574 · 0.72%
2022$80,722 · 0.76%
Similar plansRetail Trade · California
Commerce Media Holdings CA$12.4M · 0.12%
Serena & Lily, Inc. CA$12.3M · 0.34%
L.N. Curtis & Sons CA$12.1M · 0.05%
Road Runner Sports, Inc. CA$12.0M · 0.70%
Orgain, LLC CA$12.0M · 0.89%
Ogara Coach Co. LLC CA$11.7M · 0.30%
Lee's Pet Club, Inc. CA$11.6M · 0.03%

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Source: U.S. Department of Labor, Form 5500 series, EIN 951629914 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.