Plan Ledger DOL Form 5500 · updated monthly

Forcht Group, Inc.401(k)

FORCHT GROUP OF KENTUCKY SAVINGS PLAN · LEXINGTON, KY · plan year 2025

Reported admin expense ratio · 2025
0.28%

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

Forcht Group, Inc. reported $168,417 in plan administrative expenses for 2025: 0.28% of average plan assets, higher than ~75% of peers. Employer contributions averaged $938 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 fell from 0.35% to 0.28%. The plan sits in the $50M–$250M size bracket, benchmarked here against 605 comparable plans and shown alongside other finance & insurance employers. By assets it is the 120th-largest of 871 plans among Kentucky employers on file, and the 1,378th of 4,798 in finance & insurance. In 2025, employees put in $1.77 for every $1.00 the employer contributed; active participation has grown from 1,437 to 1,612 since 2022.

Plan summary
Net assets, end of year$64,332,449
Participants with balances1,806
Active participants1,612
Employer contributions$1,511,329
Employee contributions$2,671,675
Employer contribution per active participant$938
Average account balance$35,622
Benefits paid to participants$3,564,598
Plan auditUnmodified (clean) audit opinion
AuditorCHERRY BEKAERT ADVISORY LLC
Plan history4
Yearassets · accounts · employer contribution
2025$64.3M · 1,806 accts · $1.5M emplr
2024$55.0M · 1,779 accts · $1.4M emplr
2023$48.6M · 1,633 accts · $1.4M emplr
2022$41.3M · 1,616 accts · $1.4M emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$109,123
Investment management$40,000
Audit (IQPA)$19,294
Total administrative$168,417
The Forcht Group, Inc. 401(k) match · 2025
Employer contribution per active participant$938
Median for plans this size$4,093
2025$938 per active participant
2024$869 per active participant
2023$1,044 per active participant
2022$960 per active participant

Forcht Group, Inc.'s 2025 employer contribution ran below the $4,093 median for plans its size, in the bottom 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
JPMORGAN INVEST HOLDINGS LLC$109,123
MORGAN STANLEY · Investment advisory (plan)$40,000
CHERRY BEKAERT LLP · Accounting / audit$19,294

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

Administrative cost history4
2025$168,417 · 0.28%
2024$155,752 · 0.30%
2023$140,669 · 0.31%
2022$159,930 · 0.35%
Same employer
Similar plansFinance & Insurance · Kentucky
Central Bancshares, Inc. KY$110.0M · 0.02%
First Southern Bancorp Inc KY$43.1M · 0.04%
L & N Federal Credit Union KY$42.6M · 0.19%

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Source: U.S. Department of Labor, Form 5500 series, EIN 452579770 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.