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Original filing (PDF)20251011051950NAL0013616816001
RANCHO HEALTH MSO, INC.
Form 5500
FILING_RECEIVED
RANCHO HEALTH MSO, INC. 401(K) PLAN
401(k) retirement plan
Active participants
505
Accounts w/ balance
531
Plan assets (EOY)
$31.1M
Net assets (EOY)
$31.1M
How this plan invests
This plan
1 pooled trust
Schedule D
29 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- 60 bps in Schedule C fees — 108% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for RANCHO HEALTH MSO, INC..
Plan sponsor
Name
RANCHO HEALTH MSO, INC.
EIN
85-3977600
Address
28780 SINGLE OAK DR, SUITE 260 · TEMECULA, CA · 92590
Phone
(805) 642-1430
Industry
Offices of Physicians· Health Care & Social Assistancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-11
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
WITHUMSMITH BROWN PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ADP, INC. | 13-3036745 | — | RECORD KEEPER | $86K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| LPL FINANCIAL CORPORATION RPCP | 95-2834236 | — | INVESTMENT/FINANCIAL ADVI | $101K | — |
Investments
28 direct securities · 1 pooled fund· $30.7M(98% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Registered Investment Companies
$30.4M
28 holdings
Common Collective Trust
$227K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| VANGUARD GROWTH INDEX FUND ADM | Registered Investment Companies | — | — | $3.9M | 12.4% | |
| VANGUARD BAL IDX - ADM | Registered Investment Companies | — | — | $3.1M | 10.0% | |
| VAN TARGET RETIRE 2035 | Registered Investment Companies | — | — | $3.0M | 9.5% | |
| VAN TARGET RETIRE 2050 | Registered Investment Companies | — | — | $2.4M | 7.6% | |
| VAN TARGET RETIRE 2020 | Registered Investment Companies | — | — | $2.3M | 7.3% | |
| VAN TARGET RETIRE 2045 | Registered Investment Companies | — | — | $2.3M | 7.2% | |
| ISHARES RUSSELL 1000 LRG CAP K | Registered Investment Companies | — | — | $2.1M | 6.7% | |
| VAN TARGET RETIRE 2055 | Registered Investment Companies | — | — | $2.0M | 6.4% | |
| VAN TARGET RETIRE 2030 | Registered Investment Companies | — | — | $1.9M | 6.1% | |
| VAN TARGET RETIRE 2040 | Registered Investment Companies | — | — | $1.7M | 5.6% | |
| VAN TARG RETIRE 2060 | Registered Investment Companies | — | — | $1.0M | 3.2% | |
| STATE ST EQUITY 500 INDEX K | Registered Investment Companies | — | — | $730K | 2.3% | |
| VANGUARD VALUE INDEX FUND ADMR | Registered Investment Companies | — | — | $515K | 1.7% | |
| ISHARES MSCI TOTAL INTL IDX K | Registered Investment Companies | — | — | $452K | 1.5% | |
| VAN TARGET RETIRE INC | Registered Investment Companies | — | — | $405K | 1.3% | |
| VAN TARG RETIRE 2070 | Registered Investment Companies | — | — | $383K | 1.2% | |
| VAN TARGET RETIRE 2025 | Registered Investment Companies | — | — | $373K | 1.2% | |
| VAN TARG RETIRE 2065 | Registered Investment Companies | — | — | $349K | 1.1% | |
| VANGUARD SM CP GR IDX -ADMIRAL | Registered Investment Companies | — | — | $334K | 1.1% | |
| ISHARES MSCI EAFE INTL INDEX K | Registered Investment Companies | — | — | $316K | 1.0% | |
| ISHARES RUSSELL MIDCAP INDEX K | Registered Investment Companies | — | — | $288K | 0.9% | |
| VANGUARD SM CAP VAL INDEX ADM | Registered Investment Companies | — | — | $266K | 0.9% | |
| INVESCO STABLE ASSET - ADPZ INVESCO TRUST COMPANY · EIN 27-3884161 / PN 001 | Common Collective Trust | — | — | $227K | 0.7% | |
| VANGUARD SMALL CAP INDEX ADMRL | Registered Investment Companies | — | — | $193K | 0.6% | |
| VANGUARD INTERMEDIATE TERM BON | Registered Investment Companies | — | — | $121K | 0.4% | |
| VANGUARD REAL ESTATE INDEX ADM | Registered Investment Companies | — | — | $50K | 0.2% | |
| NUVEEN SMALLCAP BLEND INDEX R6 | Registered Investment Companies | — | — | $46K | 0.1% | |
| ISHARES US AGGREGATE BD IDX K | Registered Investment Companies | — | — | $45K | 0.1% | |
| VANGUARD EMG MKTS STK IDX ADM | Registered Investment Companies | — | — | $28K | <0.1% |