Plan Ledger DOL Form 5500 · updated monthly

Citizens Disability, LLC401(k)

CITIZENS DISABILITY 401(K) PLAN · WALTHAM, MA · plan year 2024

Reported admin expense ratio · 2024
0.81%

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

Citizens Disability, LLC reported $38,676 in plan administrative expenses for 2024: 0.81% of average plan assets, above the peer median. Employer contributions averaged $0 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 fell from 1.44% to 0.81%. The plan sits in the $1M–$10M size bracket, benchmarked here against 18,840 comparable plans and shown alongside other professional & technical services employers. By assets it is among the smaller plans on file in Massachusetts (2,280th of 2,726), and 9,662nd of 11,654 in professional & technical services.

Plan summary
Net assets, end of year$5,362,241
Participants with balances121
Active participants103
Employer contributions$0
Employee contributions$608,542
Employer contribution per active participant$0
Average account balance$44,316
Benefits paid to participants$161,134
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2024$5.4M · 121 accts
2023$4.2M · 123 accts
2022$3.1M · 126 accts
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$37,296
Total administrative$38,676
The Citizens Disability, LLC 401(k) match · 2024
Employer contribution per active participant$0
Median for plans this size$1,313

Citizens Disability, LLC's 2024 employer contribution ran below the $1,313 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 · 20244
COMMONWEALTH EQUITY SERVICES · Investment advisory (plan)$19,777
THE MANDMARBLESTONE GROUP LLC · Contract administrator$1,250
EMPOWER ADVISORY GROUP, LLC · Investment management$926

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$38,676 · 0.81%
2023$52,402 · 1.43%
2022$45,364 · 1.44%
Similar plansProfessional & Technical Services · Massachusetts
Roslinct US Holdings LLC MA$5.7M · 0.55%
Kriss Law LLC MA$5.5M · 0.59%
Egenesis, Inc. MA$5.3M · 0.51%
A.I.S., Inc. MA$5.3M · 0.67%
Pharmalex US Corp MA$5.2M · 0.44%

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Source: U.S. Department of Labor, Form 5500 series, EIN 272970935 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.