Plan Ledger DOL Form 5500 · updated monthly

AG Plus Cooperative401(k)

UBG 401(K) - AG PLUS COOPERATIVE · MARSHALL, MN · plan year 2025

Reported admin expense ratio · 2025
0.32%

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

AG Plus Cooperative reported $24,874 in plan administrative expenses for 2025: 0.32% of average plan assets, below the peer median. Employer contributions averaged $1,753 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 rose from 0.27% to 0.32%. The plan sits in the $1M–$10M size bracket, benchmarked here against 809 comparable plans and shown alongside other wholesale trade employers. By assets it is among the smaller plans on file in Minnesota (1,392nd of 1,918), and 3,151st of 4,246 in wholesale trade. In 2025, employees put in $1.66 for every $1.00 the employer contributed; active participation has shrunk from 155 to 130 since 2022.

Plan summary
Net assets, end of year$8,354,897
Participants with balances109
Active participants130
Employer contributions$227,898
Employee contributions$377,378
Employer contribution per active participant$1,753
Average account balance$76,650
Benefits paid to participants$847,314
Plan auditUnmodified (clean) audit opinion
AuditorGARDINER+COMPANY
Plan history4
Yearassets · accounts · employer contribution
2025$8.4M · 109 accts · $228K emplr
2024$7.2M · 117 accts · $236K emplr
2023$6.6M · 116 accts · $229K emplr
2022$5.5M · 114 accts · $232K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$19,874
Investment management$5,000
Total administrative$24,874
The AG Plus Cooperative 401(k) match · 2025
Employer contribution per active participant$1,753
Median for plans this size$1,464
2025$1,753 per active participant
2024$1,540 per active participant
2023$1,441 per active participant
2022$1,500 per active participant

AG Plus Cooperative'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 · 20253
UNITED BENEFITS GROUP · Contract administrator$7,650
INTELLICENTS INVESTMENT SOLUTIONS I · Investment advisory (plan)$5,000

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$24,874 · 0.32%
2024$24,213 · 0.35%
2023$21,908 · 0.36%
2022$16,198 · 0.27%
Similar plansWholesale Trade · Minnesota
The Stable Group LLC MN$9.0M · 0.26%
Distribution Alternatives MN$8.4M · 0.11%
Mann Lake LTD. MN$8.0M · 0.56%
TJ3, LLC MN$7.2M · 1.06%
Geritom Med, Inc. MN$7.0M · 0.95%

Why are you looking at this plan?

Compare

Source: U.S. Department of Labor, Form 5500 series, EIN 410251170 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.