Plan Ledger DOL Form 5500 · updated monthly

Flavor & Fragrance Specialties Inc.401(k)

FLAVOR & FRAGRANCE SPECIALTIES 401(K) PLAN · MAHWAH, NJ · plan year 2025

Reported admin expense ratio · 2025
0.35%

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

Flavor & Fragrance Specialties Inc. reported $109,094 in plan administrative expenses for 2025: 0.35% of average plan assets, above the peer median. Employer contributions averaged $4,282 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 0.35%. 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 758th-largest of 2,419 plans among New Jersey employers on file, and the 3,776th of 11,654 in professional & technical services. In 2025, employees put in $1.49 for every $1.00 the employer contributed; active participation has grown from 159 to 189 since 2022.

Plan summary
Net assets, end of year$34,110,815
Participants with balances186
Active participants189
Employer contributions$809,253
Employee contributions$1,205,774
Employer contribution per active participant$4,282
Average account balance$183,391
Benefits paid to participants$739,007
Plan auditUnmodified (clean) audit opinion
AuditorTRAPHAGEN & TRAPHAGEN, LLC
Plan history4
Yearassets · accounts · employer contribution
2025$34.1M · 186 accts · $809K emplr
2024$28.5M · 177 accts · $730K emplr
2023$26.8M · 178 accts · $739K emplr
2022$23.4M · 177 accts · $690K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$109,094
Total administrative$109,094
The Flavor & Fragrance Specialties Inc. 401(k) match · 2025
Employer contribution per active participant$4,282
Median for plans this size$2,666
2025$4,282 per active participant
2024$4,344 per active participant
2023$4,929 per active participant
2022$4,342 per active participant

Flavor & Fragrance Specialties Inc.'s 2025 employer contribution ran above 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 · 20251

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

Recordkeeper by year3
2025John Hancock
2024John Hancock
2023John Hancock

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

Administrative cost history4
2025$109,094 · 0.35%
2024$96,321 · 0.35%
2023$88,268 · 0.35%
2022$87,009 · 0.34%
Similar plansProfessional & Technical Services · New Jersey
Mandelbaum Barrett, PC NJ$34.7M · 0.21%
Lan Associates NJ$34.6M · 0.24%
Navitas, Inc. NJ$34.2M · 0.29%
Emsl Analytical, Inc. NJ$34.1M · 0.47%
Highpoint Solutions, Inc. NJ$34.0M · 0.20%
Medpro Systems LLC NJ$33.7M · 0.09%
Aus, Inc. NJ$33.6M · 0.24%

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Source: U.S. Department of Labor, Form 5500 series, EIN 222471177 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.