Plan Ledger DOL Form 5500 · updated monthly

Zero Cater, Inc.401(k)

ZERO CATER 401(K) PLAN · SAN FRANCISCO, CA · plan year 2024

Reported admin expense ratio · 2024
0.05%

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

Zero Cater, Inc. reported $3,320 in plan administrative expenses for 2024: 0.05% of average plan assets, lower than ~75% of peers. Employer contributions averaged $585 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 has held roughly steady near 0.047%. The plan sits in the $1M–$10M size bracket, benchmarked here against 18,840 comparable plans and shown alongside other accommodation & food services employers. By assets it is among the smaller plans on file in California (6,072nd of 9,483), and the 682nd of 2,240 in accommodation & food services. In 2024, employees put in $2.65 for every $1.00 the employer contributed; active participation has grown from 220 to 445 since 2022.

Plan summary
Net assets, end of year$7,822,439
Participants with balances247
Active participants445
Employer contributions$260,153
Employee contributions$689,146
Employer contribution per active participant$585
Average account balance$31,670
Benefits paid to participants$488,019
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2024$7.8M · 247 accts · $260K emplr
2023$6.3M · 240 accts · $261K emplr
2022$4.5M · 210 accts · $193K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$3,320
Total administrative$3,320
The Zero Cater, Inc. 401(k) match · 2024
Employer contribution per active participant$585
Median for plans this size$1,313
2024$585 per active participant
2023$672 per active participant
2022$879 per active participant

Zero Cater, Inc.'s 2024 employer contribution ran below the $1,313 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 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20241
THE VANGUARD GROUP, INC. · Loan processing · Recordkeeping$3,320

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

Recordkeeper by year2
2024Vanguard
2023Vanguard

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

Administrative cost history3
2024$3,320 · 0.05%
2023$2,703 · 0.05%
2022$2,162 · 0.05%
Same employer
Similar plansAccommodation & Food Services · California
Polly's, Inc. CA$7.9M · 0.14%
Sun Basket, Inc. CA$7.1M · 0.32%

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Source: U.S. Department of Labor, Form 5500 series, EIN 274319579 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.