Plan Ledger DOL Form 5500 · updated monthly

Certis USA, LLC401(k)

CERTIS USA, LLC 401(K) PLAN · COLUMBIA, MD · plan year 2025

Reported admin expense ratio · 2025
0.04%

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

Certis USA, LLC reported $9,696 in plan administrative expenses for 2025: 0.04% of average plan assets, lower than ~75% of peers. Employer contributions averaged $4,110 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 0.02% to 0.04%. The plan sits in the $10M–$50M size bracket, benchmarked here against 1,620 comparable plans and shown alongside other manufacturing employers. By assets it is the 562nd-largest of 1,671 plans among Maryland employers on file, and the 5,198th of 13,661 in manufacturing. In 2025, employees put in $2.00 for every $1.00 the employer contributed; active participation has shrunk from 201 to 165 since 2022.

Plan summary
Net assets, end of year$24,507,299
Participants with balances197
Active participants165
Employer contributions$678,197
Employee contributions$1,354,971
Employer contribution per active participant$4,110
Average account balance$124,403
Benefits paid to participants$3,912,466
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$24.5M · 197 accts · $678K emplr
2024$23.1M · 198 accts · $489K emplr
2023$21.7M · 217 accts · $784K emplr
2022$18.7M · 186 accts · $708K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$9,696
Total administrative$9,696
The Certis USA, LLC 401(k) match · 2025
Employer contribution per active participant$4,110
Median for plans this size$2,666
2025$4,110 per active participant
2024$2,910 per active participant
2023$4,022 per active participant
2022$3,521 per active participant

Certis USA, LLC's 2025 employer contribution ran above 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 · 20251
PRINCIPAL LIFE INSURANCE COMPANY · Contract administrator · Loan processing$9,695

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$9,696 · 0.04%
2024$10,214 · 0.05%
2023$57,789 · 0.29%
2022$3,083 · 0.02%
Similar plansManufacturing · Maryland
American Wood Fibers, Inc. MD$27.2M · 0.21%
Webb-Mason, LLC MD$27.0M · 0.27%
Wm. T. Burnett Holding LLC MD$25.7M · 0.50%
G & G Outfitters, Inc. MD$25.3M · 0.01%
Tishcon Corp. MD$22.2M · 0.36%
Fil-Tec, Inc. MD$21.2M · 0.11%

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Source: U.S. Department of Labor, Form 5500 series, EIN 522305877 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.