Plan Ledger DOL Form 5500 · updated monthly

C.D. Smith Construction, Inc.401(k)

C. D. SMITH CONSTRUCTION, INC. PROFIT SHARING PLAN · FOND DU LAC, WI · plan year 2024

Reported admin expense ratio · 2024
0.08%

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

C.D. Smith Construction, Inc. reported $39,878 in plan administrative expenses for 2024: 0.08% of average plan assets, lower than ~75% of peers. Employer contributions averaged $16,409 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 0.06% to 0.08%. The plan sits in the $10M–$50M size bracket, benchmarked here against 27,838 comparable plans and shown alongside other construction employers. By assets it is the 407th-largest of 1,936 plans among Wisconsin employers on file, and the 1,025th of 5,337 in construction. In 2024, the employer put in $2.16 for every $1.00 employees contributed themselves; active participation has grown from 139 to 153 since 2022.

Plan summary
Net assets, end of year$52,055,198
Participants with balances211
Active participants153
Employer contributions$2,510,587
Employee contributions$1,164,302
Employer contribution per active participant$16,409
Average account balance$246,707
Benefits paid to participants$664,966
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2024$52.1M · 211 accts · $2.5M emplr
2023$45.2M · 199 accts · $2.5M emplr
2022$35.6M · 195 accts · $2.3M emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$16,378
Investment management$10,400
Audit (IQPA)$10,400
Total administrative$39,878
The C.D. Smith Construction, Inc. 401(k) match · 2024
Employer contribution per active participant$16,409
Median for plans this size$2,416
2024$16,409 per active participant
2023$17,081 per active participant
2022$16,595 per active participant

C.D. Smith Construction, Inc.'s 2024 employer contribution ran above the $2,416 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 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20243
MERRILL LYNCH, PIERCE, FENNER AND S · Recordkeeping$16,378
GRANT THORNTON LLP$10,400
GRANT THORNTON$10,400

Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.

Recordkeeper by year2
2024Bank of America / Merrill
2023Bank of America / Merrill

Looking for an account from a past job here? How to find an old 401(k).

Administrative cost history3
2024$39,878 · 0.08%
2023$23,022 · 0.06%
2022$18,809 · 0.06%
Same employer
Similar plansConstruction · Wisconsin
C.R. Meyer and Sons Company WI$58.1M · 0.12%
Century Companies, Inc WI$52.4M · 0.07%
Century Fence Co. WI$47.2M · 0.17%
J.F. Brennan Company, Inc. WI$46.6M · 0.28%
Hooper Corporation WI$46.4M · 0.13%

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Source: U.S. Department of Labor, Form 5500 series, EIN 390759260 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.