Plan Ledger DOL Form 5500 · updated monthly

Decorators and Displaymen Local 39-UMoney purchase plan

DECORATORS AND DISPLAYMEN LOCAL 39-U ANNUITY PLAN · ST. LOUIS, MO · plan year 2024

Reported admin expense ratio · 2024
3.94%

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

Decorators and Displaymen Local 39-U reported $89,066 in plan administrative expenses for 2024: 3.94% of average plan assets, higher than ~90% of peers. Employer contributions averaged $1,824 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 1.49% to 3.94%. 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 Missouri (1,233rd of 1,393), and 4,721st of 5,337 in construction. active participation has grown from 105 to 118 since 2022.

Plan summary
Net assets, end of year$2,360,741
Participants with balances135
Active participants118
Employer contributions$215,176
Employee contributions$0
Employer contribution per active participant$1,824
Average account balance$17,487
Benefits paid to participants$172,880
Plan auditUnmodified (clean) audit opinion
AuditorANDER MINKLER HUBER & HELM, LLP
Plan history3
Yearassets · accounts · employer contribution
2024$2.4M · 135 accts · $215K emplr
2023$2.2M · 136 accts · $245K emplr
2022$1.8M · 119 accts · $230K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$14,468
Investment management$9,760
Audit (IQPA)$51,272
Total administrative$89,066
Employer contributions to the Decorators and Displaymen Local 39-U plan · 2024
Employer contribution per active participant$1,824
Median for plans this size$1,313
2024$1,824 per active participant
2023$2,074 per active participant
2022$2,193 per active participant

Decorators and Displaymen Local 39-U'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 · 20243
JOHN HANCOCK · Recordkeeping · Investment management$500
LPL FINANCIAL LLC - RPCP · Investment advisory (participants)$8,675
WISHIRE ASSOCIATES INC (USA) · Investment advisory (participants)$1,084

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

Recordkeeper by year2
2024John Hancock
2023John Hancock

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

Administrative cost history3
2024$89,066 · 3.94%
2023$29,863 · 1.52%
2022$28,556 · 1.49%
Similar plansConstruction · Missouri
Pk Construction LLC MO$3.5M · 0.67%
Mam, LLC MO$3.0M · 0.09%
Martinus Bottom Line LLC MO$2.8M · 1.89%
River City Drywall, Inc. MO$2.5M · 0.13%
Sunrise Telecom MO$1.0M · 0.42%

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Source: U.S. Department of Labor, Form 5500 series, EIN 430549984 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.