Plan Ledger DOL Form 5500 · updated monthly

Affinipay LLC401(k)

AFFINIPAY 401(K) PLAN · AUSTIN, TX · plan year 2025

Reported admin expense ratio · 2025
0.21%

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

Affinipay LLC reported $98,306 in plan administrative expenses for 2025: 0.21% of average plan assets, below the peer median. Employer contributions averaged $6,129 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 3 years on file its reported administrative ratio fell from 0.39% to 0.21%. The plan sits in the $10M–$50M size bracket, benchmarked here against 1,620 comparable plans and shown alongside other finance & insurance employers. By assets it is the 1,033rd-largest of 5,688 plans among Texas employers on file, and the 1,626th of 4,798 in finance & insurance. In 2025, employees put in $1.69 for every $1.00 the employer contributed; active participation has grown from 252 to 529 since 2022.

Plan summary
Net assets, end of year$51,587,096
Participants with balances638
Active participants529
Employer contributions$3,242,006
Employee contributions$5,483,595
Employer contribution per active participant$6,129
Average account balance$80,858
Benefits paid to participants$6,467,392
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$51.6M · 638 accts · $3.2M emplr
2024$41.5M · 542 accts · $2.4M emplr
2023$31.0M · 529 accts · $2.4M emplr
2022$17.9M · 309 accts · $1.6M emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$34,421
Investment management$63,885
Total administrative$98,306
The Affinipay LLC 401(k) match · 2025
Employer contribution per active participant$6,129
Median for plans this size$2,666
2025$6,129 per active participant
2024$5,087 per active participant
2023$5,249 per active participant
2022$6,370 per active participant

Affinipay LLC's 2025 employer contribution ran above the $2,666 median for plans its size, placing it in the top quarter of its peers. 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 · 20252
VOYA RETIREMENT INSURANCE & ANNUITY · Recordkeeping · Custodial (securities)$34,431
CREATIVE PLANNING HOLDCO · Plan administrator · Investment advisory (participants)indirect comp

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

Recordkeeper by year2
2025Voya
2024Voya

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Administrative cost history4
2025$98,306 · 0.21%
2024$65,864 · 0.18%
2023$67,977 · 0.28%
2022$68,332 · 0.39%
Same employer
Similar plansFinance & Insurance · Texas
Ezcorp, Inc. TX$52.4M · 0.60%
Flatonia Investments, LLC TX$51.6M · 0.23%
Quantlab Financial, LLC TX$50.8M · 0.01%

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Source: U.S. Department of Labor, Form 5500 series, EIN 721601420 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.