Plan Ledger DOL Form 5500 · updated monthly

Concord Lumber Corporation401(k)

CONCORD BUILDING AND DESIGN CENTER 401(K) PLAN · LITTLETON, MA · plan year 2025

Reported admin expense ratio · 2025
0.03%

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

Concord Lumber Corporation reported $2,600 in plan administrative expenses for 2025: 0.03% of average plan assets, lower than ~75% of peers. 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 3 years on file its reported administrative ratio fell from 0.04% to 0.03%. The plan sits in the $1M–$10M size bracket, benchmarked here against 809 comparable plans and shown alongside other retail trade employers. By assets it is among the smaller plans on file in Massachusetts (2,011th of 2,726), and 2,927th of 5,215 in retail trade. active participation has shrunk from 134 to 115 since 2022.

Plan summary
Net assets, end of year$8,536,459
Participants with balances155
Active participants115
Employer contributions$0
Employee contributions$383,600
Employer contribution per active participant$0
Average account balance$55,074
Benefits paid to participants$700,562
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$8.5M · 155 accts
2024$7.5M · 143 accts
2023$6.9M · 166 accts · $109K emplr
2022$5.7M · 138 accts · $174K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$2,450
Total administrative$2,600
The Concord Lumber Corporation 401(k) match · 2025
Employer contribution per active participant$0
Median for plans this size$1,464
2023$857 per active participant
2022$1,298 per active participant

Concord Lumber Corporation's 2025 employer contribution ran below the $1,464 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 2025 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20253
CAMBRIDGE INVESTMENT RESEARCH INCindirect comp
AEGIS RETIREMENT PARTNERS LLC · Other servicesindirect comp

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$2,600 · 0.03%
2024$2,900 · 0.04%
2023$1,800 · 0.03%
2022$2,513 · 0.04%
All plans at this employer2
CONCORD BUILDING AND DESIGN CENTER 401(K) PLAN401(k)
CONCORD LUMBER CORP. EMPLOYEE STOCK OWNERSHIP PLAN & TRUSTESOP
Same employer
Similar plansRetail Trade · Massachusetts
U.S. Art Company, Inc. MA$9.1M · 0.00%
Texthelp Inc. MA$8.3M · 0.28%
Hydrow, Inc. MA$8.1M · 0.76%
Best Chevrolet, Inc. MA$8.1M · 0.59%

Why are you looking at this plan?

Compare

Source: U.S. Department of Labor, Form 5500 series, EIN 042482120 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.