Plan Ledger DOL Form 5500 · updated monthly

Covenant Care Services, LLC401(k)

COVENANT CARE SERVICES, LLC 401(K) PLAN · FREDERICKTOWN, MO · plan year 2025

Reported admin expense ratio · 2025
1.64%

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

Covenant Care Services, LLC reported $17,551 in plan administrative expenses for 2025: 1.64% of average plan assets, higher than ~90% of peers. Employer contributions averaged $1,736 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 1 year on file its reported administrative ratio rose from 1.53% to 1.64%. The plan sits in the $1M–$10M size bracket, benchmarked here against 809 comparable plans and shown alongside other health care & social assistance employers. By assets it is among the smaller plans on file in Missouri (1,298th of 1,393), and 10,498th of 11,911 in health care & social assistance. In 2025, employees put in $1.22 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$1,464,775
Participants with balances261
Active participants190
Employer contributions$329,862
Employee contributions$401,812
Employer contribution per active participant$1,736
Average account balance$5,612
Benefits paid to participants$121,446
Plan auditUnmodified (clean) audit opinion
AuditorSEAY & WEISSINGER, LLC
Plan history2
Yearassets · accounts · employer contribution
2025$1.5M · 261 accts · $330K emplr
2024$671K · 203 accts · $314K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$15,182
Investment management$2,256
Total administrative$17,551
The Covenant Care Services, LLC 401(k) match · 2025
Employer contribution per active participant$1,736
Median for plans this size$1,464
2025$1,736 per active participant
2024$1,901 per active participant

Covenant Care Services, LLC's 2025 employer contribution ran above the $1,464 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 · 20254
BENEFIT PLANS PLUS, LLC · Recordkeeping · Investment management$4,869
NORTHWESTERN MUTUAL WEALTH · Investment advisory (participants)$2,083
WILSHIRE ADVISORS LLC · Investment advisory (participants)$172

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

Recordkeeper by year2
2025BENEFIT PLANS PLUS, LLC, John Hancock
2024BENEFIT PLANS PLUS, LLC, John Hancock

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Administrative cost history2
2025$17,551 · 1.64%
2024$10,294 · 1.53%
Similar plansHealth Care & Social Assistance · Missouri
Industrial Aid, Inc. MO$1.7M · 0.44%
West Vue, Inc. MO$1.2M · 0.21%

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Source: U.S. Department of Labor, Form 5500 series, EIN 134235666 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.