Plan Ledger DOL Form 5500 · updated monthly

Atlantic Constructors, Inc.401(k)

ATLANTIC CONSTRUCTORS, INC. 401(K) PLAN · N CHESTERFLD, VA · plan year 2025

Reported admin expense ratio · 2025
0.24%

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

Atlantic Constructors, Inc. reported $79,131 in plan administrative expenses for 2025: 0.24% of average plan assets, below the peer median. Employer contributions averaged $1,991 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 0.15% to 0.24%. The plan sits in the $10M–$50M size bracket, benchmarked here against 1,620 comparable plans and shown alongside other construction employers. By assets it is the 639th-largest of 2,266 plans among Virginia employers on file, and the 1,351st of 5,337 in construction. In 2025, employees put in $1.51 for every $1.00 the employer contributed; active participation has grown from 823 to 947 since 2022.

Plan summary
Net assets, end of year$35,836,427
Participants with balances656
Active participants947
Employer contributions$1,885,812
Employee contributions$2,852,134
Employer contribution per active participant$1,991
Average account balance$54,629
Benefits paid to participants$3,263,071
Plan auditUnmodified (clean) audit opinion
AuditorKEITER
Plan history4
Yearassets · accounts · employer contribution
2025$35.8M · 656 accts · $1.9M emplr
2024$29.3M · 590 accts · $1.9M emplr
2023$23.2M · 430 accts · $1.1M emplr
2022$19.4M · 351 accts · $1.0M emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$79,131
Total administrative$79,131
The Atlantic Constructors, Inc. 401(k) match · 2025
Employer contribution per active participant$1,991
Median for plans this size$2,666
2025$1,991 per active participant
2024$1,994 per active participant
2023$1,207 per active participant
2022$1,218 per active participant

Atlantic Constructors, Inc.'s 2025 employer contribution ran below 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 · 20254
PRINCIPAL LIFE INSURANCE COMPANY · Contract administrator · Loan processing$53,289
DEFINITI, LLC · Contract administrator · Other services$22,590
RETIREMENT PLAN SOLUTIONS, INC. · Contract administrator · Other services$3,250
MORNINGSTAR INVESTMENT MANAGEMENT L · 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.

Administrative cost history4
2025$79,131 · 0.24%
2024$74,940 · 0.29%
2023$39,611 · 0.19%
2022$32,161 · 0.15%
Same employer
Similar plansConstruction · Virginia
United Air Temp VA$35.3M · 0.32%
Ahp Holding, Inc. VA$34.5M · 0.22%
Kbs, Inc. VA$33.7M · 0.35%

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Source: U.S. Department of Labor, Form 5500 series, EIN 270045547 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.