Back to filter
Original filing (PDF)20250717155750NAL0000606129001
RAY STONE INCORPORATED
Form 5500
FILING_RECEIVED
RSI 401K PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
170
Accounts w/ balance
165
Plan assets (EOY)
$8.0M
Net assets (EOY)
$8.0M
How this plan invests
This plan
1 pooled trust
Schedule D
38 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
98
/ 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
100
Vendor stack
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (22 bps vs 52 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for RAY STONE INCORPORATED.
Plan sponsor
Name
RAY STONE INCORPORATED
EIN
94-1736828
Address
550 HOWE AVE · STE 100 · SACRAMENTO, CA · 95825
Phone
(916) 649-7500
Industry
Real Estatesee 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
2025-07-17
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)
Audit & trust (Schedule H)
Auditor
LEE CPA AUDIT GROUP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NORTHWESTERN MUTUAL WM | 39-2018056 | — | NONE | $16K | — |
| AMERICAN UNITED LIFE INSURANCE CO | 35-0145825 | — | NONE | $2K | — |
Investments
37 direct securities · 1 pooled fund· $14.6M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Uncategorized
$7.9M
37 holdings
Pooled Separate Account
$6.7M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| SEPARATE ACCOUNT II AMERICAN UNITED LIFE INSURANCE CO · EIN 35-0145825 / PN 000 | Pooled Separate Account | — | — | $6.7M | 83.2% | |
| Fully Benefit Responsive Investm ent Contracts * AUL Stable Value Account Fully Benefit Responsive Investm ent Contract | — | — | — | $1.3M | 15.6% | |
| VANGUARD BALANCED INDEX ADM Registered Investm ent Com pany | — | — | — | $843K | 10.5% | |
| VANGUARD MID CAP INDEX ADM Registered Investm ent Com pany | — | — | — | $490K | 6.1% | |
| NUVEEN LIFECYCLE IDX 2045 R6 Registered Investm ent Com pany | — | — | — | $433K | 5.4% | |
| NUVEEN LARGE CAP GR IDX R6 Registered Investm ent Com pany | — | — | — | $411K | 5.1% | |
| AMERFDS GRTH FD OF AMERICA R6 Registered Investm ent Com pany | — | — | — | $408K | 5.1% | |
| FIDELITY INV MM FDS GOV INSTL Registered Investm ent Com pany | — | — | — | $403K | 5.0% | |
| VANGUARD VALUE INDEX ADM Registered Investm ent Com pany | — | — | — | $391K | 4.9% | |
| NUVEEN LIFECYCLE IDX 2030 R6 Registered Investm ent Com pany | — | — | — | $384K | 4.8% | |
| NUVEEN LIFECYCLE IDX 2050 R6 Registered Investm ent Com pany | — | — | — | $338K | 4.2% | |
| NUVEEN LIFECYCLE IDX 2025 R6 Registered Investm ent Com pany | — | — | — | $309K | 3.9% | |
| NUVEEN LIFECYCLE IDX 2040 R6 Registered Investm ent Com pany | — | — | — | $277K | 3.5% | |
| GGT BLKRK EAFE EQ IDX CL R Registered Investm ent Com pany | — | — | — | $270K | 3.4% | |
| VANGUARD SMCAP VALUE IDX ADM Registered Investm ent Com pany | — | — | — | $238K | 3.0% | |
| DFA US SMALL CAP GROW TH I Registered Investm ent Com pany ** 348 DFA US SMALL CAP I Registered Investm ent Com pany | — | — | — | $142K | 1.8% | |
| VANGUARD STRATEGIC EQUITY INV Registered Investm ent Com pany | — | — | — | $141K | 1.8% | |
| NUVEEN LIFECYCLE IDX 2035 R6 Registered Investm ent Com pany | — | — | — | $139K | 1.7% | |
| FIDELITY MULTI-ASSET INDEX Registered Investm ent Com pany ** 344 FIDELITY US SUSTAINABILITY IDX Registered Investm ent Com pany | — | — | — | $107K | 1.3% | |
| VANGUARD INFO TECH IDX ADM Registered Investm ent Com pany | — | — | — | $106K | 1.3% | |
| AMERFDS AMERICAN HIGH-INC R6 Registered Investm ent Com pany | — | — | — | $103K | 1.3% | |
| NUVEEN LIFECYCLE IDX 2055 R6 Registered Investm ent Com pany | — | — | — | $101K | 1.3% | |
| Participant Loans Interest rates at (8.00%) $0 | — | — | — | $98K | 1.2% | |
| FIDELITY 500 INDEX Registered Investm ent Com pany | — | — | — | $78K | 1.0% | |
| VANGUARD INT-TERM INVGRDE ADM Registered Investm ent Com pany | — | — | — | $75K | 0.9% | |
| Registered Investm ent Com panies AMERFDS AMERICAN BALANCED R6 Registered Investm ent Com pany | — | — | — | $72K | 0.9% | |
| NUVEEN LIFECYCLE IDX 2020 R6 Registered Investm ent Com pany | — | — | — | $71K | 0.9% | |
| VANGUARD HEALTH CARE IDX ADM Registered Investm ent Com pany | — | — | — | $63K | 0.8% | |
| NUVEEN LIFECYCLE IDX 2060 R6 Registered Investm ent Com pany | — | — | — | $63K | 0.8% | |
| VANGUARD SMALL CAP INDEX ADM Registered Investm ent Com pany | — | — | — | $38K | 0.5% | |
| VANGUARD EXPLORER ADM Registered Investm ent Com pany | — | — | — | $23K | 0.3% | |
| VANGUARD SELECTED VALUE INV Registered Investm ent Com pany | — | — | — | $19K | 0.2% | |
| NUVEEN LIFECYCLE IDX 2010 R6 Registered Investm ent Com pany | — | — | — | $18K | 0.2% | |
| NUVEEN LIFECYCLE IDX 2065 R6 Registered Investm ent Com pany | — | — | — | $17K | 0.2% | |
| NUVEEN LIFECYCLE IDX 2015 R6 Registered Investm ent Com pany | — | — | — | $11K | 0.1% | |
| VANGUARD MIDCAP GROW TH IDX ADM Registered Investm ent Com pany | — | — | — | $8K | 0.1% | |
| FRANKLIN DYNATECH R6 Registered Investm ent Com pany | — | — | — | $5K | <0.1% | |
| VANGUARD TOTAL STK MKT IDX ADM Registered Investm ent Com pany | — | — | — | $2K | <0.1% |
Related plans
Other plans using NORTHWESTERN MUTUAL WM
IDA COUNTY, IOWA COMMUNITY HOSPITAL DBA HORN MEMORIAL HOSPITAL
HORN MEMORIAL HOSPITAL 401(K) PLAN
$14.7M · 196 participants
TARANTINO PROPERTIES INC.
TARANTINO PROPERTIES EMPLOYEE RETIREMENT PLAN
$11.8M · 304 participants
CENTRAL INK CORPORATION
CENTRAL INK 401K PLAN
$11.4M · 130 participants
OLD HICKORY CLAY COMPANY, INC.
OLD HICKORY CLAY CO., INC. 401K PROFIT SHARING PLAN AND TRUST
$10.2M · 119 participants
ANDREW J. WILL, MD, PA DBA TWIN CITIES PAIN CLINIC
TWIN CITIES PAIN CLINIC AND AFFILIATES 401(K) PLAN
$9.8M · 184 participants
HOTEL VALENCIA CORPORATION
HOTEL VALENCIA CORPORATION 401(K) PLAN
$9.2M · 571 participants
Similar-size Real Estate plans
EBL&S PROPERTY MANAGEMENT, INC.
EBL&S PROPERTY MANAGEMENT, INC. 401(K) PENSION PLAN
$8.0M · 10 participants
WATERSIDE 303 CORP.
THE HUNNEMAN 401(K) PLAN
$8.0M · 62 participants
UHM PROPERTIES
UHM PROPERTIES 401(K) PLAN
$8.0M · 74 participants
EXTELL FINANCIAL SERVICES, INC.
EXTELL FINANCIAL SERVICES, INC. 401(K) PLAN
$8.1M · 102 participants
THE KLEIN COMPANY
THE KLEIN COMPANY 401K PLAN
$8.0M · 88 participants
HEARTLAND REALTY INVESTORS, INC.
HEARTLAND REALTY INVESTORS, INC. PROFIT SHARING PLAN & TRUST
$8.1M · 119 participants
Large plans in California
BLACKROCK INSTITUTIONAL TRUST COMPANY, N.A.
EQUITY INDEX FUND
$215.1B
BLACKROCK INSTITUTIONAL TRUST COMPANY, N.A.
EQUITY INDEX FUND E
$190.9B
BLACKROCK INSTITUTIONAL TRUST COMPANY, N.A.
EQUITY INDEX FUND F
$188.1B
BLACKROCK INSTITUTIONAL TRUST COMPANY, N.A.
RUSSELL 1000 INDEX FUND
$187.7B
BLACKROCK INSTITUTIONAL TRUST COMPANY, N.A.
CASH EQUIVALENT FUND II
$125.0B
BLACKROCK INSTITUTIONAL TRUST COMPANY, N.A.
BLACKROCK MSCI ACWI EX-US IMI INDEX FUND E
$88.3B