Plan Ledger DOL Form 5500 · updated monthly

Aaa Northway, Inc.401(k)

AAA NORTHWAY, INC. PROFIT SHARING 401(K) PLAN · SCHENECTADY, NY · plan year 2025

Reported admin expense ratio · 2025
0.04%

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

Aaa Northway, Inc. reported $6,840 in plan administrative expenses for 2025: 0.04% of average plan assets, lower than ~75% of peers. Employer contributions averaged $2,886 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 0.044%. The plan sits in the $10M–$50M size bracket, benchmarked here against 1,620 comparable plans and shown alongside other administrative & support services employers. By assets it is the 2,818th-largest of 5,648 plans among New York employers on file, and the 719th of 2,534 in administrative & support services. In 2025, employees put in $1.60 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$16,322,854
Participants with balances125
Active participants109
Employer contributions$314,613
Employee contributions$504,655
Employer contribution per active participant$2,886
Average account balance$130,583
Benefits paid to participants$1,521,133
Plan auditUnmodified (clean) audit opinion
AuditorWHITTEMORE, DOWEN, & RICCIARDELLI
Plan history4
Yearassets · accounts · employer contribution
2025$16.3M · 125 accts · $315K emplr
2024$14.8M · 111 accts · $205K emplr
2023$12.5M · 109 accts · $176K emplr
2022$10.9M · 116 accts · $169K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$3,360
Total administrative$6,840
The Aaa Northway, Inc. 401(k) match · 2025
Employer contribution per active participant$2,886
Median for plans this size$2,666
2025$2,886 per active participant
2024$1,930 per active participant
2023$1,675 per active participant
2022$1,590 per active participant

Aaa Northway, Inc.'s 2025 employer contribution ran above 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
THE VANGUARD GROUP, INC. · Recordkeeping$6,545
ASCENSUS LLC · Recordkeepingindirect comp
RIMKUS MARCIANO AND ASSOCIATES$2,850

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

Recordkeeper by year3
2025Ascensus, Vanguard
2024Ascensus, Vanguard
2023Ascensus, Vanguard

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Administrative cost history4
2025$6,840 · 0.04%
2024$5,542 · 0.04%
2023$6,892 · 0.06%
2022$5,101 · 0.04%
Same employer
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New World Travel, Inc. NY$18.1M · 0.06%
Axelon Services Corporation NY$18.1M · 0.21%
Pritchard Industries, LLC NY$17.3M · 0.43%
Mintz Group LLC NY$16.8M · 0.43%
Pager, Inc. NY$16.1M · 0.66%
Rhi Services Co., Inc. NY$14.9M · 0.52%
Conductor LLC NY$14.2M · 0.03%

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Source: U.S. Department of Labor, Form 5500 series, EIN 141041270 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.