Plan Ledger DOL Form 5500 · updated monthly

Sempra401(k) + ESOP (KSOP)

SEMPRA ENERGY SAVINGS PLAN · SAN DIEGO, CA · plan year 2025

Reported admin expense ratio · 2025
0.01%

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

Sempra reported $37,179 in plan administrative expenses for 2025: 0.01% of average plan assets, lower than ~75% of peers. Employer contributions averaged $5,453 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 0.010% to 0.007%. The plan sits in the $250M–$1B size bracket, benchmarked here against 230 comparable plans and shown alongside other management of companies employers. By assets it is the 234th-largest of 9,483 plans among California employers on file, and the 74th of 786 in management of companies. In 2025, employees put in $3.13 for every $1.00 the employer contributed; active participation has grown from 863 to 1,186 since 2022.

Plan summary
Net assets, end of year$562,120,989
Participants with balances1,802
Active participants1,186
Employer contributions$6,467,169
Employee contributions$20,246,708
Employer contribution per active participant$5,453
Average account balance$311,943
Benefits paid to participants$43,569,123
Plan auditUnmodified (clean) audit opinion
AuditorDELOITTE & TOUCHE
Plan history4
Yearassets · accounts · employer contribution
2025$562.1M · 1,802 accts · $6.5M emplr
2024$500.0M · 1,714 accts · $6.1M emplr
2023$442.6M · 1,638 accts · $5.2M emplr
2022$377.6M · 1,500 accts · $4.4M emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$35,079
Total administrative$37,179
The Sempra 401(k) match · 2025
Employer contribution per active participant$5,453
Median for plans this size$4,295
2025$5,453 per active participant
2024$5,639 per active participant
2023$5,209 per active participant
2022$5,064 per active participant

Sempra's 2025 employer contribution ran above the $4,295 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 2025 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20255
T ROWE PRICE RPS INC · Recordkeeping · Trustee$37,179
NORTHERN TRUST COMPANY · Custodial (securities)$7,912
EP WEALTH ADVISORS LLC · Investment advisory (participants)$6,200
FISHER INVESTMENTS · Investment advisory (participants)$5,809
CHARLES SCHWAB & CO. INC. · Securities brokerage$420

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

Recordkeeper by year3
2025T. Rowe Price
2024T. Rowe Price
2023T. Rowe Price

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

Administrative cost history4
2025$37,179 · 0.01%
2024$38,840 · 0.01%
2023$38,233 · 0.01%
2022$39,502 · 0.01%
Same employer
Similar plansManagement of Companies · California
Wells Fargo & Company CA$57.9B · 0.02%
Pacific Dental Services, LLC CA$565.3M · 0.31%
Toshiba America, Inc CA$511.7M · 0.06%
Platinum Equity, LLC CA$313.1M · 0.03%
Kyocera International, Inc. CA$273.9M · 0.03%

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Source: U.S. Department of Labor, Form 5500 series, EIN 330732627 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.