Plan Ledger DOL Form 5500 · updated monthly

Appalachian Trail Conservancy403(b)

APPALACHIAN TRAIL CONSERVANCY 403(B) RETIREMENT PLAN · HARPERS FERRY, WV · plan year 2025

Reported admin expense ratio · 2025
0.33%

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

Appalachian Trail Conservancy reported $38,117 in plan administrative expenses for 2025: 0.33% of average plan assets, above the peer median. Employer contributions averaged $3,857 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 0.30% to 0.33%. The plan sits in the $10M–$50M size bracket, benchmarked here against 1,620 comparable plans and shown alongside other other services employers. By assets it is the 116th-largest of 265 plans among West Virginia employers on file, and the 1,415th of 3,341 in other services. In 2025, employees put in $1.83 for every $1.00 the employer contributed; active participation has grown from 61 to 81 since 2022.

Plan summary
Net assets, end of year$12,883,573
Participants with balances116
Active participants81
Employer contributions$312,388
Employee contributions$571,425
Employer contribution per active participant$3,857
Average account balance$111,065
Benefits paid to participants$252,996
Plan auditUnmodified (clean) audit opinion
AuditorYOUNT HYDE & BARBER, P.C.
Plan history4
Yearassets · accounts · employer contribution
2025$12.9M · 116 accts · $312K emplr
2024$10.5M · 115 accts · $245K emplr
2023$9.2M · 110 accts · $253K emplr
2022$8.1M · 113 accts · $220K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$38,062
Investment management$55
Total administrative$38,117
Employer contributions to the Appalachian Trail Conservancy plan · 2025
Employer contribution per active participant$3,857
Median for plans this size$2,666
2025$3,857 per active participant
2024$3,450 per active participant
2023$4,214 per active participant
2022$3,603 per active participant

Appalachian Trail Conservancy'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 · 20251
LINCOLN NATIONAL CORPORATION · Contract administrator$38,062

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$38,117 · 0.33%
2024$32,132 · 0.33%
2023$28,694 · 0.33%
2022$25,387 · 0.30%
Similar plansOther Services · West Virginia
Nextgen Federal System, LLC WV$18.0M · 0.09%

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Source: U.S. Department of Labor, Form 5500 series, EIN 526046689 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.