Plan Snapshot
- Plan Sponsor: Sierra Pacific Mortgage Company, INC.
- Sponsor EIN: 680101170
- Sponsor Address: 2377 GOLD MEADOW WAY, GOLD RIVER, CA, 95670
- Plan Type: 401(k)
- Plan Number: 001
- Total Participants: 383
- Total Assets: $30.0M
Key Plan Design Features
- Auto-Enrollment: Yes
- Auto-Escalation: No
- Allows Roth Contributions: No
- Participant Loans: No
- Participant-Directed Investments: Yes
- ERISA Section 404(c) Fiduciary Safe Harbor: Yes
Plan Financials by Year
| Year | Participants | Total Assets | Employer Contrib. | Employee Contrib. |
|---|---|---|---|---|
| 2025 | 383 | $30.0M | $0 | $0 |
| 2024 | 426 | $37.9M | $0 | $2.2M |
| 2023 | 409 | $36.2M | $0 | $2.4M |
| 2022 | 447 | $33.9M | $0 | $4.0M |
Service Providers (Schedule C)
Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).
| Provider Name | Role | Direct Compensation | Indirect Compensation | Total Fees |
|---|---|---|---|---|
| MORGAN STANLEY SMITH BARNEY LLC | Investment Advisor | $77,596 | — | $77,596 |
| FIDELITY INVESTMENTS INSTITUTIONAL | Recordkeeper | $54,055 | — | $54,055 |
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $131,651
- Estimated Expense Ratio: 0.439% of plan assets
Historical Administrative Expenses
Breakdown of administrative expense categories reported on Form 5500 filings.
| Year | Total Admin Expenses | Investment Mgmt Fees | Contract Admin Fees | IQPA Audit Fees | Professional Fees |
|---|---|---|---|---|---|
| 2025 | $15,873,930 | — | — | — | — |
| 2024 | $132,039 | $75,613 | — | — | — |
| 2023 | $10,978 | — | — | — | — |
| 2022 | $5,075 | — | — | — | — |