Plan Ledger DOL Form 5500 · updated monthly

A-1 Chipseal Co.401(k)

A-1 CHIPSEAL CO. 401(K) PROFIT SHARING PLAN · DENVER, CO · plan year 2025

Reported admin expense ratio · 2025
0.84%

Peer grade: C · admin costs + employer contributions vs same-size plans · how grading works

A-1 Chipseal Co. reported $85,177 in plan administrative expenses for 2025: 0.84% of average plan assets, higher than ~90% of peers. Employer contributions averaged $2,552 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.

Across the 4 years on file its reported administrative ratio has held roughly steady near 0.844%. The plan sits in the $10M–$50M size bracket, benchmarked here against 1,620 comparable plans and shown alongside other construction employers. By assets it is the 720th-largest of 1,461 plans among Colorado employers on file, and 2,797th of 5,337 in construction. In 2025, employees put in $1.74 for every $1.00 the employer contributed; active participation has grown from 67 to 198 since 2022.

Plan summary
Net assets, end of year$12,065,333
Participants with balances306
Active participants198
Employer contributions$505,216
Employee contributions$878,695
Employer contribution per active participant$2,552
Average account balance$39,429
Benefits paid to participants$1,110,796
Plan auditUnmodified (clean) audit opinion
AuditorWATSON COON RYAN, LLC
Plan history4
Yearassets · accounts · employer contribution
2025$12.1M · 306 accts · $505K emplr
2024$8.1M · 281 accts · $392K emplr
2023$6.6M · 230 accts · $326K emplr
2022$6.0M · 212 accts · $268K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$45,456
Investment management$39,721
Total administrative$85,177
The A-1 Chipseal Co. 401(k) match · 2025
Employer contribution per active participant$2,552
Median for plans this size$2,666
2025$2,552 per active participant
2024$3,703 per active participant
2023$3,883 per active participant
2022$4,004 per active participant

A-1 Chipseal Co.'s 2025 employer contribution ran below the $2,666 median for plans its size. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.

What these fees cost you

Annual cost at the plan's reported 2025 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20253
LPL FINANCIAL · Investment advisory (plan)$34,018
EMPOWER ADVISORY GROUP, LLC · Investment management$5,703

Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.

Administrative cost history4
2025$85,177 · 0.84%
2024$60,998 · 0.83%
2023$52,854 · 0.84%
2022$53,425 · 0.84%
Similar plansConstruction · Colorado
Lakewood Electric Company CO$12.2M · 0.43%
View Homes Incorporated CO$12.2M · 0.37%
Nunn Construction, Inc. CO$11.7M · 0.53%
Jhl Enterprises, Inc. CO$11.7M · 0.02%

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Source: U.S. Department of Labor, Form 5500 series, EIN 841216817 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.