Plan Ledger DOL Form 5500 · updated monthly

A&D Home Health Care, Inc.401(k)

A&D HEALTH CARE 401(K) PENSION PLAN · SAGINAW, MI · plan year 2025

Reported admin expense ratio · 2025
0.03%

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

A&D Home Health Care, Inc. reported $2,460 in plan administrative expenses for 2025: 0.03% of average plan assets, lower than ~75% of peers. Employer contributions averaged $1,527 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 0.031%. The plan sits in the $1M–$10M size bracket, benchmarked here against 809 comparable plans and shown alongside other health care & social assistance employers. By assets it is among the smaller plans on file in Michigan (1,653rd of 2,619), and 6,234th of 11,911 in health care & social assistance. In 2025, employees put in $1.93 for every $1.00 the employer contributed; active participation has grown from 149 to 177 since 2022.

Plan summary
Net assets, end of year$8,531,462
Participants with balances125
Active participants177
Employer contributions$270,329
Employee contributions$522,773
Employer contribution per active participant$1,527
Average account balance$68,252
Benefits paid to participants$598,762
Plan auditUnmodified (clean) audit opinion
AuditorGARDNER, PROVENZANO, THOMAS & LUPLO
Plan history4
Yearassets · accounts · employer contribution
2025$8.5M · 125 accts · $270K emplr
2024$7.2M · 113 accts · $259K emplr
2023$6.3M · 115 accts · $255K emplr
2022$5.1M · 116 accts · $234K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$2,460
Total administrative$2,460
The A&D Home Health Care, Inc. 401(k) match · 2025
Employer contribution per active participant$1,527
Median for plans this size$1,464
2025$1,527 per active participant
2024$1,487 per active participant
2023$1,614 per active participant
2022$1,567 per active participant

A&D Home Health Care, Inc.'s 2025 employer contribution ran above the $1,464 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 · 20251
OSAIC WEALTH INC. · Investment advisory (plan)$21,891

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$2,460 · 0.03%
2024$2,130 · 0.03%
2023$1,092 · 0.02%
2022$1,625 · 0.03%
Similar plansHealth Care & Social Assistance · Michigan
Judson Center MI$8.3M · 0.61%

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Source: U.S. Department of Labor, Form 5500 series, EIN 382821662 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.