Plan Ledger DOL Form 5500 · updated monthly

Co-Operative Insurance Companies401(k)

CO-OPERATIVE INSURANCE COMPANIES 401(K) PLAN · MIDDLEBURY, VT · plan year 2024

Reported admin expense ratio · 2024
0.19%

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

Co-Operative Insurance Companies reported $35,142 in plan administrative expenses for 2024: 0.19% of average plan assets, below the peer median. Employer contributions averaged $3,340 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.

The plan sits in the $10M–$50M size bracket, benchmarked here against 27,838 comparable plans and shown alongside other finance & insurance employers. By assets it is the 103rd-largest of 230 plans among Vermont employers on file, and 3,172nd of 4,798 in finance & insurance. In 2024, employees put in $2.71 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$18,777,641
Participants with balances117
Active participants97
Employer contributions$323,989
Employee contributions$879,217
Employer contribution per active participant$3,340
Average account balance$160,493
Benefits paid to participants$2,880,214
Plan auditUnmodified (clean) audit opinion
Administrative expenses, itemized · 2024
Investment management$35,142
Total administrative$35,142
The Co-Operative Insurance Companies 401(k) match · 2024
Employer contribution per active participant$3,340
Median for plans this size$2,416

Co-Operative Insurance Companies's 2024 employer contribution ran above the $2,416 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 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20242
ONEAMERICA RETIREMENT SERVICES LLC · Recordkeeping · Loan processing$35,142
MATRIX TRUST COMPANY · Custodial (securities) · Trusteeindirect comp

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

Administrative cost history1
2024$35,142 · 0.19%
Similar plansFinance & Insurance · Vermont
McIc Vermont, LLC VT$28.8M · 0.00%
Passumpsic Savings Bank VT$25.7M · 0.24%
Dealerpolicy, Inc. VT$12.0M · 0.53%

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Source: U.S. Department of Labor, Form 5500 series, EIN 030220844 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.