Plan Ledger DOL Form 5500 · updated monthly

Costanzo's Bakery, LLC401(k)

COSTANZO'S BAKERY, LLC 401(K) PLAN · CHEEKTOWAGA, NY · plan year 2024

Reported admin expense ratio · 2024
0.56%

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

Costanzo's Bakery, LLC reported $32,600 in plan administrative expenses for 2024: 0.56% of average plan assets, above the peer median. Employer contributions averaged $2,090 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 rose from 0.51% to 0.56%. The plan sits in the $1M–$10M size bracket, benchmarked here against 18,840 comparable plans and shown alongside other manufacturing employers. By assets it is among the smaller plans on file in New York (4,202nd of 5,648), and 10,490th of 13,661 in manufacturing. In 2024, employees put in $1.91 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$6,384,931
Participants with balances129
Active participants144
Employer contributions$300,990
Employee contributions$575,277
Employer contribution per active participant$2,090
Average account balance$49,496
Benefits paid to participants$937,593
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2024$6.4M · 129 accts · $301K emplr
2023$5.2M · 122 accts · $53K emplr
2022$4.3M · 113 accts · $49K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$17,435
Investment management$15,165
Total administrative$32,600
The Costanzo's Bakery, LLC 401(k) match · 2024
Employer contribution per active participant$2,090
Median for plans this size$1,313
2024$2,090 per active participant
2023$329 per active participant
2022$323 per active participant

Costanzo's Bakery, LLC's 2024 employer contribution ran above the $1,313 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
PRINCIPAL LIFE INSURANCE COMPANY · Contract administrator$17,435
LAWLEY RETIREMENT ADVISORS, LLC · Investment advisory (plan)$15,165

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$32,600 · 0.56%
2023$24,517 · 0.52%
2022$25,576 · 0.51%
Same employer
Similar plansManufacturing · New York
Levain Bakery, Inc. NY$6.4M · 0.90%
Aakron Rule Corporation NY$6.4M · 0.80%
Seviroli Foods, LLC NY$6.4M · 0.17%
Haakon Industries, Inc. NY$6.4M · 1.27%
J.M. Haley Corp. NY$6.3M · 0.38%
Deiorio Foods, Inc. NY$6.1M · 0.66%
Orcon Industries Corp. NY$6.0M · 0.03%

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Source: U.S. Department of Labor, Form 5500 series, EIN 161077221 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.