Plan Snapshot
- Plan Sponsor: The Kintetsu Retirement Plan Board
- Sponsor EIN: 843609963
- Sponsor Address: 21241 S. WESTERN AVENUE, SUITE 100, TORRANCE, CA, 90501
- Plan Type: 401(k)
- Plan Number: 333
- Total Participants: 247
- Total Assets: $18.1M
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 | 247 | $18.1M | $0 | $0 |
| 2024 | 144 | $16.7M | $407,789 | $595,261 |
| 2023 | 139 | $15.4M | $217,368 | $525,666 |
| 2022 | 136 | $14.1M | $204,616 | $498,923 |
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 |
|---|---|---|---|---|
| TRANSAMERICA RETIREMENT SOLUTIONS, | Recordkeeper | $29,694 | — | $29,694 |
| ASSET PLANNING AND PROTECTION LLC | Investment Advisor | $24,196 | — | $24,196 |
| APS MANAGEMENT GROUP INC | Investment Advisor | $18,242 | — | $18,242 |
| LEAFHOUSE FINANCIAL ADVISORS, LLC | Investment Advisor | $8,841 | — | $8,841 |
| PENTEGRA SERVICES, INC. | Recordkeeper | $6,455 | $845 | $7,300 |
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $88,273
- Estimated Expense Ratio: 0.489% 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 | $1,709,154 | — | — | — | — |
| 2024 | $78,100 | — | — | — | — |
| 2023 | $71,076 | — | — | — | — |
| 2022 | $68,305 | — | $68,305 | — | — |