Plan Ledger DOL Form 5500 · updated monthly

Dj&A, P.C.401(k)

DJ&A, P.C., PROFIT SHARING PLAN · MISSOULA, MT · plan year 2025

Reported admin expense ratio · 2025
0.18%

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

Dj&A, P.C. reported $30,902 in plan administrative expenses for 2025: 0.18% of average plan assets, below the peer median. Employer contributions averaged $5,803 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 fell from 0.20% to 0.18%. The plan sits in the $10M–$50M size bracket, benchmarked here against 1,620 comparable plans and shown alongside other professional & technical services employers. By assets it is the 75th-largest of 229 plans among Montana employers on file, and the 5,688th of 11,654 in professional & technical services. In 2025, employees put in $1.09 for every $1.00 the employer contributed; active participation has grown from 125 to 170 since 2023.

Plan summary
Net assets, end of year$19,297,760
Participants with balances208
Active participants170
Employer contributions$986,525
Employee contributions$1,079,012
Employer contribution per active participant$5,803
Average account balance$92,778
Benefits paid to participants$442,526
Plan auditUnmodified (clean) audit opinion
AuditorWIPFLI
Plan history3
Yearassets · accounts · employer contribution
2025$19.3M · 208 accts · $987K emplr
2024$14.9M · 161 accts · $845K emplr
2023$11.9M · 153 accts · $1.5M emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$4,312
Investment management$4,486
Total administrative$30,902
The Dj&A, P.C. 401(k) match · 2025
Employer contribution per active participant$5,803
Median for plans this size$2,666
2025$5,803 per active participant
2024$6,034 per active participant
2023$11,991 per active participant

Dj&A, P.C.'s 2025 employer contribution ran above the $2,666 median for plans its size, placing it in the top 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 2025 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20253
ACEC RETIREMENT TRUST$22,104
EMPOWER ADVISORY GROUP, LLC · Investment management$4,486

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

Administrative cost history3
2025$30,902 · 0.18%
2024$24,187 · 0.18%
2023$21,788 · 0.20%
Same employer
Similar plansProfessional & Technical Services · Montana
Wgm Group, Inc. MT$19.1M · 0.20%
A&E Design, Inc. MT$18.9M · 0.68%
Xtant Medical Inc. MT$13.5M · 0.04%

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Source: U.S. Department of Labor, Form 5500 series, EIN 810524186 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.