Plan Ledger DOL Form 5500 · updated monthly

The Raymond Group401(k)

THE RAYMOND GROUP 401(K) RETIREMENT SAVINGS PLAN · ORANGE, CA · plan year 2025

Reported admin expense ratio · 2025
0.21%

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

The Raymond Group reported $99,462 in plan administrative expenses for 2025: 0.21% of average plan assets, below the peer median. Employer contributions averaged $10,781 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 0.30% to 0.21%. The plan sits in the $10M–$50M size bracket, benchmarked here against 1,620 comparable plans and shown alongside other construction employers. By assets it is the 1,794th-largest of 9,483 plans among California employers on file, and the 1,066th of 5,337 in construction. In 2025, the employer put in $1.20 for every $1.00 employees contributed themselves.

Plan summary
Net assets, end of year$48,937,823
Participants with balances157
Active participants134
Employer contributions$1,444,682
Employee contributions$1,205,625
Employer contribution per active participant$10,781
Average account balance$311,706
Benefits paid to participants$5,594,130
Plan auditUnmodified (clean) audit opinion
AuditorECP ACCOUNTING, INC.
Plan history4
Yearassets · accounts · employer contribution
2025$48.9M · 157 accts · $1.4M emplr
2024$44.7M · 162 accts · $308K emplr
2023$43.9M · 166 accts · $1.8M emplr
2022$38.2M · 176 accts · $2.3M emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$27,940
Investment management$67,580
Audit (IQPA)$3,942
Total administrative$99,462
The The Raymond Group 401(k) match · 2025
Employer contribution per active participant$10,781
Median for plans this size$2,666
2025$10,781 per active participant
2024$2,637 per active participant
2023$16,368 per active participant
2022$16,217 per active participant

The Raymond Group's 2025 employer contribution ran above the $2,666 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 2025 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20253
THE BALDWIN GROUP WEALTH ADVISORS L · Investment advisory (plan)$67,168
ECP ENTERPRISES INC DBA ECP ACCOUNT · Accounting / audit$3,942

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

Administrative cost history4
2025$99,462 · 0.21%
2024$106,249 · 0.24%
2023$91,662 · 0.22%
2022$121,720 · 0.30%
Same employer
Similar plansConstruction · California
Morley Builders, Inc. CA$52.0M · 0.00%
3 Day Blinds LLC CA$51.1M · 0.13%
Bridge Housing Corporation CA$46.5M · 0.03%
Bigge Crane and Rigging Co. CA$44.9M · 0.23%
Lusardi Construction Co. CA$44.9M · 0.22%

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Source: U.S. Department of Labor, Form 5500 series, EIN 330782809 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.