Santa Margarita Ford 401(k) match, vesting and fees
What Santa Margarita Ford's 401(k) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Sentry Life Insurance Company | Schedule C ↗ |
| Independent auditor | Lsl Cpas (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 1,080 defined-contribution plans in retail trade with 100 to 499 participants.
| Santa Margarita Ford: employer contribution per participant | $726 | |
| Peer median | $1,247 |
| Santa Margarita Ford: average balance | $79,099 | |
| Peer median | $56,979 |
| Santa Margarita Ford: admin expenses ÷ assets | 0.06% | |
| Peer median | 0.43% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $9.9M at the end of plan year 2021 to $15.8M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 217 | $15.8M | $145K | $726 | 0.06% | Not published | Form 5500 ↗ |
| 2024 | 210 | $13.3M | $157K | $821 | 0.07% | Not published | Form 5500 ↗ |
| 2023 | 193 | $11.8M | $142K | $812 | 0.07% | Not published | Form 5500 ↗ |
| 2022 | 177 | $9.2M | $110K | $699 | 0.07% | Not published | Form 5500 ↗ |
| 2021 | 172 | $9.9M | $71K | $486 | 0.06% | Not published | Form 5500 ↗ |
Common questions
Does Santa Margarita Ford match 401(k) contributions?
The match terms for the Santa Margarita Ford 401(k) Profit Sharing Plan have not been published from its filing yet. The plan year 2025 filing reports $145K in employer contributions, about $726 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Santa Margarita Ford 401(k) match vested?
The vesting schedule for the Santa Margarita Ford 401(k) Profit Sharing Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Santa Margarita Ford 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Sentry Life Insurance Company. The plan administrator is Santa Margarita Ford.
I left Santa Margarita Ford. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Santa Margarita Ford, (949) 766-2000) or the recordkeeper, Sentry Life Insurance Company. The Santa Margarita Ford old 401(k) page lists the contacts from every plan filing. Find an old Santa Margarita Ford 401(k)
Data from the public Form 5500 annual reports Santa Margarita Ford filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024 and 2025) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with Santa Margarita Ford. Not financial advice. Report a correction · Methodology