Retirement plan

RAMOS OIL COMPANY, INC. 401(K) PROFIT SHARING PLAN

Name: RAMOS OIL COMPANY, INC. - RAMOS OIL COMPANY, INC. 401(K) PROFIT SHARING PLAN (2025) Form 5500
Creator: RAMOS OIL COMPANY, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, RAMOS OIL COMPANY, INC. 401(K) PROFIT SHARING PLAN, RAMOS OIL COMPANY, INC.

RAMOS OIL COMPANY, INC.EIN 94-2248416Plan #001PY 2025

1515 SOUTH RIVER ROAD - WEST SACRAMENTO, CA 95691916-371-2570LinkedIn51-200 employeesoil & energy

Prospect flagsLow returnsHigh feesCorrective distributions

How to read this page

Total assets (EOY)

$17.5M

-41.3% from 2024

Total participants

208

-13.0% from 2024

Average account balance

$90,905

-34.6% from 2024

Annual return

4.29%

-7.64 pp from 2024

Benchmarks

See 656 peers

Peer group

Industry45 - Retail Trade

Plan typeDefined contribution

Participants25-99

Cohort656 peers

Snapshot2025

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$17.54M

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$91K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

193

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

81.9%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.29M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$16K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+4.29%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$451

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

1 years with F_SCH_H allocation on file

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Service providers

Top 2 by compensation

Provider	Service type	Compensation
STANCORP FINANCIAL GROUP5 years Service code 12 · EIN 93-1253576	Claims processing; Custodial (other t...	$54,100
CAPFINANCIAL PARTNERS LLC2 years Filed as: CAPFINANCIAL PARTNERS, LLC (DBA)CAP Service code 27 · EIN 26-0058143	Advisory (Plan)	$32,928

Plan features & details

Pension benefit codes2E2F2G2J2K2S2T3D3H

Plan features

2E
Profit-sharing
Profit-sharing plan.
2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2K
Code section 401(m) arrangement
Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
2T
Default investment account
Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

3 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$87K

$1049 / participant

Investment mgmt$33K37.8%
Contract admin$54K62.2%

% of EOY assets

0.496%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: BAKER TILLY US LLP
Auditor EIN: 301413443
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$90,905

$75,807+19.9%

$116,096-21.7%

$86,983+4.5%

Participation rate

81.9%

66.9%+15.1pp

73.3%+8.6pp

69.5%+12.4pp

Annual return

4.29%

18.57%-14.3pp

326.25%-322.0pp

25.83%-21.5pp

Employer contribution / active EE

$5,842

$1,892+208.7%

$2,503+133.4%

$2,584+126.1%

Participant deferral / active EE

$9,733

$3,212+203.1%

$3,952+146.3%

$4,194+132.1%

Admin fee / account holder

$451

$6,659-93.2%

$7,704-94.1%

$7,856-94.3%

Provider

Service type

Compensation

STANCORP FINANCIAL GROUP5 years

Service code 12 · EIN 93-1253576

Claims processing; Custodial (other t...

$54,100

CAPFINANCIAL PARTNERS LLC2 years

Filed as: CAPFINANCIAL PARTNERS, LLC (DBA)CAP

Service code 27 · EIN 26-0058143

Advisory (Plan)

$32,928

RAMOS OIL COMPANY, INC. 401(K) PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

RAMOS OIL COMPANY, INC. 401(K) PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion