Plan Ledger DOL Form 5500 · updated monthly

Eml, LLC401(k)

EML, LLC 401(K) PLAN · HOPKINSVILLE, KY · plan year 2025

Reported admin expense ratio · 2025
0.99%

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

Eml, LLC reported $84,770 in plan administrative expenses for 2025: 0.99% of average plan assets, higher than ~75% of peers. Employer contributions averaged $1,725 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 4 years on file its reported administrative ratio has held roughly steady near 0.994%. The plan sits in the $1M–$10M size bracket, benchmarked here against 809 comparable plans and shown alongside other administrative & support services employers. By assets it is among the smaller plans on file in Kentucky (501st of 871), and the 1,051st of 2,534 in administrative & support services. In 2025, the employer put in $2.10 for every $1.00 employees contributed themselves; active participation has grown from 347 to 421 since 2022.

Plan summary
Net assets, end of year$9,211,816
Participants with balances194
Active participants421
Employer contributions$726,353
Employee contributions$345,463
Employer contribution per active participant$1,725
Average account balance$47,484
Benefits paid to participants$1,018,904
Plan auditUnmodified (clean) audit opinion
AuditorSKIBBIE CPA, INC.
Plan history4
Yearassets · accounts · employer contribution
2025$9.2M · 194 accts · $726K emplr
2024$7.8M · 186 accts · $710K emplr
2023$6.6M · 192 accts · $713K emplr
2022$5.7M · 201 accts · $1.0M emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$13,098
Investment management$69,959
Total administrative$84,770
The Eml, LLC 401(k) match · 2025
Employer contribution per active participant$1,725
Median for plans this size$1,464
2025$1,725 per active participant
2024$1,636 per active participant
2023$1,843 per active participant
2022$2,957 per active participant

Eml, 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 · 20252
BENEFIT PLANS ADMIN SERVICES, INC. · Recordkeeping · Custodial (securities)$38,867
UBS FINANCIAL SERVICES - N.J. · Investment advisory (participants) · Investment advisory (plan)$43,731

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

Recordkeeper by year3
2025BENEFIT PLANS ADMIN SERVICES, INC.
2024BENEFIT PLANS ADMIN SERVICES, INC.
2023BENEFIT PLANS ADMIN SERVICES, INC.

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Administrative cost history4
2025$84,770 · 0.99%
2024$72,318 · 1.00%
2023$68,286 · 1.10%
2022$58,259 · 0.99%
Same employer
Similar plansAdministrative & Support Services · Kentucky
Swift & Staley Inc. KY$14.4M · 0.40%
United Communications, Inc. KY$10.5M · 0.62%
Congo, LLC KY$7.3M · 1.28%
Management Registry, Inc KY$6.1M · 1.87%
Agc of Kentucky KY$5.8M · 1.04%

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Source: U.S. Department of Labor, Form 5500 series, EIN 621809968 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.