Plan Ledger DOL Form 5500 · updated monthly

Cafe Services, Inc.401(k)

CAFE SERVICES, INC. 401(K) PLAN · MANCHESTER, NH · plan year 2023

Reported admin expense ratio · 2023
0.90%

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

Cafe Services, Inc. reported $101,981 in plan administrative expenses for 2023: 0.90% of average plan assets, higher than ~90% of peers. Employer contributions averaged $237 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 has held roughly steady near 0.89%. The plan sits in the $10M–$50M size bracket, benchmarked here against 26,779 comparable plans and shown alongside other accommodation & food services employers. By assets it is among the smaller plans on file in New Hampshire (228th of 411), and the 476th of 2,240 in accommodation & food services. In 2023, employees put in $4.55 for every $1.00 the employer contributed; active participation has grown from 885 to 991 since 2022.

Plan summary
Net assets, end of year$12,468,243
Participants with balances359
Active participants991
Employer contributions$234,814
Employee contributions$1,067,387
Employer contribution per active participant$237
Average account balance$34,730
Benefits paid to participants$617,002
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2024$11.9M · 253 accts · $193K emplr
2023$12.5M · 359 accts · $235K emplr
2022$10.1M · 362 accts · $213K emplr
Administrative expenses, itemized · 2023
Recordkeeping & contract admin$18,845
Trustee / custodial$83,136
Total administrative$101,981
The Cafe Services, Inc. 401(k) match · 2023
Employer contribution per active participant$237
Median for plans this size$2,440
2024$334 per active participant
2023$237 per active participant
2022$240 per active participant

Cafe Services, Inc.'s 2023 employer contribution ran below the $2,440 median for plans its size, in the bottom 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 2023 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20232
BPAS, INC. · Recordkeeping · Pension consulting$54,269
GRANITE FINANCIAL PARTNERS · Investment advisory (participants) · Investment advisory (plan)$47,712

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

Recordkeeper by year2
2024BPAS, INC.
2023BPAS, INC.

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

Administrative cost history3
2024$108,668 · 0.89%
2023$101,981 · 0.90%
2022$95,046 · 0.90%
Same employer
Similar plansAccommodation & Food Services · New Hampshire
Ocean Properties LTD. NH$42.7M · 0.47%
Great American Dining NH$9.1M · 0.61%
The Napoli Group, LLC NH$7.2M · 0.88%
Roedel Companies, LLC NH$4.8M · 0.03%
Wiley Management, Inc. NH$2.9M · 0.07%

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Source: U.S. Department of Labor, Form 5500 series, EIN 020466180 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.