Plan Ledger DOL Form 5500 · updated monthly

Agency Holding Company401(k)

AGENCY SERVICES, INC. 401(K) PROFIT SHARING PLAN · HANOVER, MD · plan year 2024

Reported admin expense ratio · 2024
0.37%

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

Agency Holding Company reported $90,826 in plan administrative expenses for 2024: 0.37% of average plan assets, above the peer median. Employer contributions averaged $2,343 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 2 years on file its reported administrative ratio rose from 0.19% to 0.37%. The plan sits in the $10M–$50M size bracket, benchmarked here against 27,838 comparable plans and shown alongside other finance & insurance employers. By assets it is the 524th-largest of 1,671 plans among Maryland employers on file, and 2,604th of 4,798 in finance & insurance. In 2024, employees put in $2.33 for every $1.00 the employer contributed; active participation has grown from 142 to 203 since 2022.

Plan summary
Net assets, end of year$26,544,783
Participants with balances195
Active participants203
Employer contributions$475,717
Employee contributions$1,107,340
Employer contribution per active participant$2,343
Average account balance$136,127
Benefits paid to participants$622,995
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2024$26.5M · 195 accts · $476K emplr
2023$22.2M · 160 accts · $396K emplr
2022$18.2M · 139 accts · $360K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$2,450
Investment management$88,376
Total administrative$90,826
The Agency Holding Company 401(k) match · 2024
Employer contribution per active participant$2,343
Median for plans this size$2,416
2024$2,343 per active participant
2023$2,265 per active participant
2022$2,532 per active participant

Agency Holding Company's 2024 employer contribution ran below the $2,416 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 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20243
MORGAN STANLEY SMITH BARNEY · Recordkeeping · Trustee$88,375
ADP, INC. · Loan processing · Recordkeeping$2,450
ADP BROKER-DEALER · Other servicesindirect 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
2024ADP, Morgan Stanley
2023ADP

This plan has changed recordkeepers within these filings. If you left Agency Holding Company before a switch, your account may sit at the earlier firm or in a rollover IRA. Looking for an account from a past job here? How to find an old 401(k).

Administrative cost history3
2024$90,826 · 0.37%
2023$1,630 · 0.01%
2022$37,423 · 0.19%
Similar plansFinance & Insurance · Maryland
Newday USA MD$26.6M · 0.38%

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Source: U.S. Department of Labor, Form 5500 series, EIN 521038420 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.