Plan Ledger DOL Form 5500 · updated monthly

Central Mutual Insurance Company401(k)

CENTRAL EMPLOYEES' SAVINGS AND PROFIT PARTICIPATION PLAN · VAN WERT, OH · plan year 2025

Reported admin expense ratio · 2025
0.05%

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

Central Mutual Insurance Company reported $98,414 in plan administrative expenses for 2025: 0.05% of average plan assets, lower than ~75% of peers. Employer contributions averaged $7,064 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 4 years on file its reported administrative ratio has held roughly steady near 0.046%. The plan sits in the $50M–$250M size bracket, benchmarked here against 605 comparable plans and shown alongside other finance & insurance employers. By assets it is the 193rd-largest of 3,295 plans among Ohio employers on file, and the 530th of 4,798 in finance & insurance. In 2025, employees put in $1.53 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$230,616,837
Participants with balances998
Active participants730
Employer contributions$5,156,694
Employee contributions$7,911,078
Employer contribution per active participant$7,064
Average account balance$231,079
Benefits paid to participants$15,667,745
Plan auditUnmodified (clean) audit opinion
AuditorPLANTE & MORAN , PLLC
Plan history4
Yearassets · accounts · employer contribution
2025$230.6M · 998 accts · $5.2M emplr
2024$196.5M · 1,004 accts · $1.2M emplr
2023$178.1M · 980 accts · $1.6M emplr
2022$149.1M · 903 accts · $5.3M emplr
The Central Mutual Insurance Company 401(k) match · 2025
Employer contribution per active participant$7,064
Median for plans this size$4,093
2025$7,064 per active participant
2024$1,586 per active participant
2023$2,161 per active participant
2022$7,348 per active participant

Central Mutual Insurance Company's 2025 employer contribution ran above the $4,093 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 · 20251
THE VANGUARD GROUP, INC. · Recordkeeping · Consulting$101,924

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

Recordkeeper by year3
2025Vanguard
2024Vanguard
2023Vanguard

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

Administrative cost history4
2025$98,414 · 0.05%
2024$96,105 · 0.05%
2023$87,514 · 0.05%
2022$76,189 · 0.05%
Same employer
Similar plansFinance & Insurance · Ohio
Grange Insurance Company OH$396.0M · 0.06%
Crosscountry Mortgage, LLC OH$340.3M · 0.40%
James B. Oswald Company OH$212.0M · 0.06%
First Financial Bancorp OH$209.1M · 0.07%

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Source: U.S. Department of Labor, Form 5500 series, EIN 344202560 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.