Plan Ledger DOL Form 5500 · updated monthly

D & F Construction, Inc.401(k)

D & F, LOBO CONSTRUCTION, INC. PROFIT SHARING PLAN · FORESTVILLE, MD · plan year 2024

Reported admin expense ratio · 2024
0.33%

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

D & F Construction, Inc. reported $18,976 in plan administrative expenses for 2024: 0.33% of average plan assets, below the peer median. Employer contributions averaged $564 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 0.31% to 0.33%. The plan sits in the $1M–$10M size bracket, benchmarked here against 18,840 comparable plans and shown alongside other construction employers. By assets it is among the smaller plans on file in Maryland (1,192nd of 1,671), and 3,740th of 5,337 in construction. In 2024, employees put in $1.89 for every $1.00 the employer contributed; active participation has grown from 181 to 216 since 2022.

Plan summary
Net assets, end of year$6,141,704
Participants with balances169
Active participants216
Employer contributions$121,863
Employee contributions$230,537
Employer contribution per active participant$564
Average account balance$36,341
Benefits paid to participants$171,271
Plan auditUnmodified (clean) audit opinion
AuditorUHY LLP
Plan history3
Yearassets · accounts · employer contribution
2024$6.1M · 169 accts · $122K emplr
2023$5.3M · 172 accts · $117K emplr
2022$4.5M · 171 accts · $110K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$18,976
Total administrative$18,976
The D & F Construction, Inc. 401(k) match · 2024
Employer contribution per active participant$564
Median for plans this size$1,313
2024$564 per active participant
2023$610 per active participant
2022$607 per active participant

D & F Construction, Inc.'s 2024 employer contribution ran below the $1,313 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 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20243
TRANSAMERICA LIFE INSURANCE CO · Recordkeeping · Loan processing$18,307
COASTAL PENSION SERVICES · Recordkeeping · Loan processing$669
KESTRA INVESTMENT SERVICES LLC · Insurance broker · Insurance 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 year2
2024COASTAL PENSION SERVICES, Transamerica
2023Transamerica

This plan has changed recordkeepers within these filings. If you left D & F Construction, Inc. before a switch, your account may sit at the earlier firm or in a rollover IRA. Looking for an account from a past job here? How to find an old 401(k).

Administrative cost history3
2024$18,976 · 0.33%
2023$16,005 · 0.33%
2022$15,750 · 0.31%
Same employer
Similar plansConstruction · Maryland
Tissa Enterprises, Inc. MD$7.1M · 0.06%
Curbio Inc. MD$7.0M · 0.11%
Fence Connection, Inc. MD$6.8M · 0.40%
Aceco, LLC MD$6.2M · 0.05%
Brawner Builders, Inc. MD$6.0M · 0.88%
Rolyn Companies, Inc. MD$5.8M · 0.03%
Tri-State Drywall, Inc. MD$5.7M · 0.16%

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Source: U.S. Department of Labor, Form 5500 series, EIN 541206616 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.