Plan Ledger DOL Form 5500 · updated monthly

Cline Design Associates PA401(k)

CLINE DESIGN ASSOCIATES PA 401K PROFIT SHARING PLAN AND TRUST · RALEIGH, NC · plan year 2025

Reported admin expense ratio · 2025
0.58%

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

Cline Design Associates PA reported $67,125 in plan administrative expenses for 2025: 0.58% of average plan assets, higher than ~75% of peers. Employer contributions averaged $2,313 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 0.576%. The plan sits in the $10M–$50M size bracket, benchmarked here against 1,620 comparable plans and shown alongside other professional & technical services employers. By assets it is the 985th-largest of 2,005 plans among North Carolina employers on file, and 7,233rd of 11,654 in professional & technical services. In 2025, employees put in $3.43 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$12,506,390
Participants with balances155
Active participants127
Employer contributions$293,728
Employee contributions$1,008,546
Employer contribution per active participant$2,313
Average account balance$80,686
Benefits paid to participants$1,675,118
Plan auditUnmodified (clean) audit opinion
AuditorMELISSA G. CRITCHER CPA PC
Plan history4
Yearassets · accounts · employer contribution
2025$12.5M · 155 accts · $294K emplr
2024$10.8M · 147 accts · $233K emplr
2023$9.0M · 183 accts · $200K emplr
2022$8.0M · 173 accts · $185K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$13,353
Investment management$53,772
Total administrative$67,125
The Cline Design Associates PA 401(k) match · 2025
Employer contribution per active participant$2,313
Median for plans this size$2,666
2025$2,313 per active participant
2024$2,243 per active participant
2023$1,707 per active participant
2022$1,558 per active participant

Cline Design Associates PA's 2025 employer contribution ran below 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 · 20253
MORGAN STANLEY SMITH BARNEY · Recordkeeping · Trustee$48,626
ADP, INC. · Recordkeeping · Loan processing$13,334
ADP BROKER-DEALER · Other servicesindirect comp

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

Recordkeeper by year3
2025ADP, Morgan Stanley
2024ADP, Morgan Stanley
2023ADP, Morgan Stanley

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

Administrative cost history4
2025$67,125 · 0.58%
2024$59,744 · 0.60%
2023$50,735 · 0.60%
2022$46,587 · 0.58%
All plans at this employer2
CLINE DESIGN ASSOCIATES PA 401K PROFIT SHARING PLAN AND TRUST401(k)
CLINE DESIGN EMPLOYEE STOCK OWNERSHIP PLANESOP
Same employer
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Source: U.S. Department of Labor, Form 5500 series, EIN 561664790 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.