Plan Ledger DOL Form 5500 · updated monthly

Yapstone Holdings, Inc.401(k)

YAPSTONE 401(K) PLAN · WALNUT CREEK, CA · plan year 2023

Reported admin expense ratio · 2023
0.12%

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

Yapstone Holdings, Inc. reported $17,922 in plan administrative expenses for 2023: 0.12% of average plan assets, below the peer median. Employer contributions averaged $0 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 1 year on file its reported administrative ratio rose from 0.10% to 0.12%. The plan sits in the $10M–$50M size bracket, benchmarked here against 26,779 comparable plans and shown alongside other finance & insurance employers. By assets it is the 4,311th-largest of 9,483 plans among California employers on file, and 3,456th of 4,798 in finance & insurance.

Plan summary
Net assets, end of year$15,519,759
Participants with balances200
Active participants25
Employer contributions$0
Employee contributions$338,449
Employer contribution per active participant$0
Average account balance$77,599
Benefits paid to participants$1,922,389
Plan auditUnmodified (clean) audit opinion
AuditorARMANINO
Plan history2
Yearassets · accounts · employer contribution
2023$15.5M · 200 accts
2022$14.1M · 263 accts · $312K emplr
Administrative expenses, itemized · 2023
Recordkeeping & contract admin$17,922
Total administrative$17,922
The Yapstone Holdings, Inc. 401(k) match · 2023
Employer contribution per active participant$0
Median for plans this size$2,440

Yapstone Holdings, Inc.'s 2023 employer contribution ran below the $2,440 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 2023 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20231
FIDELITY INVESTMENTS INSTITUTIONAL · Loan processing$17,922

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

Administrative cost history2
2023$17,922 · 0.12%
2022$16,009 · 0.10%
Similar plansFinance & Insurance · California
Paynearme, Inc. CA$16.1M · 0.47%
Ladder Financial Inc. CA$15.5M · 0.03%
Mypoint Credit Union CA$14.9M · 0.48%
Community West Bancshares CA$14.7M · 0.51%

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Source: U.S. Department of Labor, Form 5500 series, EIN 411955039 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.