Plan Ledger DOL Form 5500 · updated monthly

Dairy State Bank401(k)

DAIRY STATE BANK RETIREMENT SAVINGS PLAN · RICE LAKE, WI · plan year 2025

Reported admin expense ratio · 2025
0.44%

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

Dairy State Bank reported $63,131 in plan administrative expenses for 2025: 0.44% of average plan assets, higher than ~75% of peers. Employer contributions averaged $2,350 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 rose from 0.33% to 0.44%. The plan sits in the $10M–$50M size bracket, benchmarked here against 1,620 comparable plans and shown alongside other finance & insurance employers. By assets it is among the smaller plans on file in Wisconsin (1,039th of 1,936), and 3,493rd of 4,798 in finance & insurance. In 2025, employees put in $2.12 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$15,143,297
Participants with balances123
Active participants94
Employer contributions$220,934
Employee contributions$468,229
Employer contribution per active participant$2,350
Average account balance$123,116
Benefits paid to participants$560,527
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$15.1M · 123 accts · $221K emplr
2024$13.3M · 123 accts · $220K emplr
2023$14.8M · 122 accts · $211K emplr
2022$13.6M · 117 accts · $199K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$11,550
Investment management$51,581
Total administrative$63,131
The Dairy State Bank 401(k) match · 2025
Employer contribution per active participant$2,350
Median for plans this size$2,666
2025$2,350 per active participant
2024$2,389 per active participant
2023$2,202 per active participant
2022$2,052 per active participant

Dairy State Bank's 2025 employer contribution ran below the $2,666 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 · 20252
TRUST POINT INC · Recordkeeping · Trustee$51,581
CLIFTONLARSONALLEN LLP · Accounting / audit$11,550

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

Recordkeeper by year3
2025TRUST POINT INC
2024TRUST POINT INC
2023TRUST POINT INC

Looking for an account from a past job here? How to find an old 401(k).

Administrative cost history4
2025$63,131 · 0.44%
2024$63,983 · 0.46%
2023$55,416 · 0.39%
2022$49,533 · 0.33%
Similar plansFinance & Insurance · Wisconsin
Westbury Bank WI$15.9M · 0.48%
Heartland Credit Union WI$15.6M · 0.38%
Coulee Bank WI$15.3M · 0.38%
First State Bank WI$15.0M · 0.37%
Specialty Underwriters LLC WI$15.0M · 0.40%
Ixonia Bank WI$14.8M · 0.61%

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Source: U.S. Department of Labor, Form 5500 series, EIN 390848078 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.