Plan Ledger DOL Form 5500 · updated monthly

Association of Public Health Laboratories401(k)

APHL 401(K) PENSION PLAN · SILVER SPRING, MD · plan year 2025

Reported admin expense ratio · 2025
0.42%

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

Association of Public Health Laboratories reported $185,084 in plan administrative expenses for 2025: 0.42% of average plan assets, above the peer median. Employer contributions averaged $12,415 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 0.47% to 0.42%. 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 327th-largest of 1,671 plans among Maryland employers on file, and the 438th of 3,341 in other services. In 2025, the employer put in $1.45 for every $1.00 employees contributed themselves; active participation has grown from 164 to 230 since 2022.

Plan summary
Net assets, end of year$48,947,638
Participants with balances289
Active participants230
Employer contributions$2,855,344
Employee contributions$1,962,925
Employer contribution per active participant$12,415
Average account balance$169,369
Benefits paid to participants$2,401,340
Plan auditUnmodified (clean) audit opinion
AuditorGELMAN, ROSENBURG, AND FREEDMAN
Plan history4
Yearassets · accounts · employer contribution
2025$48.9M · 289 accts · $2.9M emplr
2024$39.9M · 299 accts · $2.6M emplr
2023$32.1M · 260 accts · $2.1M emplr
2022$26.8M · 226 accts · $1.7M emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$185,084
Total administrative$185,084
The Association of Public Health Laboratories 401(k) match · 2025
Employer contribution per active participant$12,415
Median for plans this size$2,666
2025$12,415 per active participant
2024$11,448 per active participant
2023$10,826 per active participant
2022$10,253 per active participant

Association of Public Health Laboratories'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 · 20255
GLOBAL RETIREMENT PARTNERS, LLC · Investment advisory (plan)$64,056
EMPOWER ADVISORY GROUP, LLC · Investment management$51,865
GELMAN, ROSENBERG & FREEDMAN, P.C. · Accounting / audit$16,380
JM PENSION ADVISORY, INC. · Contract administrator$11,348

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$185,084 · 0.42%
2024$162,456 · 0.45%
2023$127,736 · 0.43%
2022$133,865 · 0.47%
Same employer
Similar plansOther Services · Maryland
Columbia Association, Inc. MD$58.6M · 0.08%
The Norwood School, Inc. MD$48.4M · 0.06%
Global Communities MD$42.7M · 0.23%
The Chimes, Inc. MD$38.6M · 0.70%

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Source: U.S. Department of Labor, Form 5500 series, EIN 521800436 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.