Plan Ledger DOL Form 5500 · updated monthly

Cielo, Inc.401(k)

CIELO, INC. 401(K) PLAN · BROOKFIELD, WI · plan year 2024

Reported admin expense ratio · 2024
0.38%

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

Cielo, Inc. reported $223,779 in plan administrative expenses for 2024: 0.38% of average plan assets, higher than ~90% of peers. Employer contributions averaged $1,484 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 0.38%. The plan sits in the $50M–$250M size bracket, benchmarked here against 10,352 comparable plans and shown alongside other administrative & support services employers. By assets it is the 343rd-largest of 1,936 plans among Wisconsin employers on file, and the 251st of 2,534 in administrative & support services. In 2024, employees put in $4.45 for every $1.00 the employer contributed; active participation has shrunk from 1,871 to 1,017 since 2022.

Plan summary
Net assets, end of year$63,524,442
Participants with balances1,366
Active participants1,017
Employer contributions$1,509,619
Employee contributions$6,723,646
Employer contribution per active participant$1,484
Average account balance$46,504
Benefits paid to participants$8,104,308
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2024$63.5M · 1,366 accts · $1.5M emplr
2023$55.1M · 1,584 accts · $1.5M emplr
2022$43.2M · 2,404 accts · $1.9M emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$134,789
Investment management$88,990
Total administrative$223,779
The Cielo, Inc. 401(k) match · 2024
Employer contribution per active participant$1,484
Median for plans this size$3,635
2024$1,484 per active participant
2023$1,349 per active participant
2022$1,009 per active participant

Cielo, Inc.'s 2024 employer contribution ran below the $3,635 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 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20243
FIDELITY WORKPLACE SERVICES, LLC · Plan administrator · Trustee (discretionary)$134,788
NFP RETIREMENT INC · Investment advisory (plan)$73,940
STRATEGIC ADVISORS, INC. · Investment advisory (plan)$15,051

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$223,779 · 0.38%
2023$194,608 · 0.40%
2022$155,152 · 0.37%
Same employer
Similar plansAdministrative & Support Services · Wisconsin
Manpowergroup Inc. WI$686.1M · 0.20%
Fac Services, LLC WI$383.7M · 0.08%
Empower HR, LLC WI$157.0M · 0.80%
Visu-Sewer, Inc. WI$41.4M · 0.01%
Oneida Esc Group, LLC WI$40.4M · 0.17%
The Employer Group, Inc. WI$30.9M · 0.58%
Executive Director, Inc. WI$30.5M · 0.33%

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Source: U.S. Department of Labor, Form 5500 series, EIN 760807472 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.