Plan Ledger DOL Form 5500 · updated monthly

Cape Retirement Community, Inc.401(k)

CHATEAU GIRARDEAU EMPLOYEES' RETIREMENT PLAN · CAPE GIRARDEAU, MO · plan year 2024

Reported admin expense ratio · 2024
0.94%

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

Cape Retirement Community, Inc. reported $25,505 in plan administrative expenses for 2024: 0.94% of average plan assets, higher than ~75% of peers. Employer contributions averaged $1,075 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 0.70% to 0.94%. The plan sits in the $1M–$10M size bracket, benchmarked here against 18,840 comparable plans and shown alongside other health care & social assistance employers. By assets it is among the smaller plans on file in Missouri (1,200th of 1,393), and 9,436th of 11,911 in health care & social assistance. In 2024, employees put in $2.48 for every $1.00 the employer contributed; active participation has shrunk from 84 to 74 since 2022.

Plan summary
Net assets, end of year$2,761,599
Participants with balances191
Active participants74
Employer contributions$79,562
Employee contributions$196,964
Employer contribution per active participant$1,075
Average account balance$14,459
Benefits paid to participants$502,755
Plan auditUnmodified (clean) audit opinion
AuditorSTANLEY. DIRNBERGER, HOPPER AND ASS
Plan history3
Yearassets · accounts · employer contribution
2024$2.8M · 191 accts · $80K emplr
2023$2.7M · 191 accts · $94K emplr
2022$2.4M · 201 accts · $98K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$14,323
Investment management$11,009
Total administrative$25,505
The Cape Retirement Community, Inc. 401(k) match · 2024
Employer contribution per active participant$1,075
Median for plans this size$1,313
2024$1,075 per active participant
2023$1,232 per active participant
2022$1,167 per active participant

Cape Retirement Community, Inc.'s 2024 employer contribution ran below the $1,313 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 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20243
MERRILL LYNCH PIERCE FENNER & SMITH · Investment advisory (plan)$11,009
EMPOWER ADVISORY GROUP, LLC · Investment management$173

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

Administrative cost history3
2024$25,505 · 0.94%
2023$22,711 · 0.90%
2022$17,946 · 0.70%
Similar plansHealth Care & Social Assistance · Missouri
Seniorage MO$2.9M · 1.45%
Easy Living Inc. MO$2.9M · 0.08%
Manor Grove MO$2.7M · 0.01%
Guadalupe Centers, Inc. MO$2.6M · 0.70%

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Source: U.S. Department of Labor, Form 5500 series, EIN 431039313 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.