Plan Ledger DOL Form 5500 · updated monthly

Gardiner & Theobald Inc.401(k)

GARDINER & THEOBALD INC. 401(K) PROFIT SHARING PLAN · NEW YORK, NY · plan year 2024

Reported admin expense ratio · 2024
0.28%

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

Gardiner & Theobald Inc. reported $57,720 in plan administrative expenses for 2024: 0.28% of average plan assets, below the peer median. Employer contributions averaged $1,268 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 0.03% to 0.28%. The plan sits in the $10M–$50M size bracket, benchmarked here against 27,838 comparable plans and shown alongside other professional & technical services employers. By assets it is the 2,331st-largest of 5,648 plans among New York employers on file, and the 5,108th of 11,654 in professional & technical services. In 2024, employees put in $8.61 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$22,686,042
Participants with balances258
Active participants254
Employer contributions$321,992
Employee contributions$2,771,352
Employer contribution per active participant$1,268
Average account balance$87,930
Benefits paid to participants$2,170,707
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2024$22.7M · 258 accts · $322K emplr
2023$18.7M · 183 accts · $303K emplr
2022$15.3M · 229 accts · $165K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$20,446
Investment management$37,274
Total administrative$57,720
The Gardiner & Theobald Inc. 401(k) match · 2024
Employer contribution per active participant$1,268
Median for plans this size$2,416
2024$1,268 per active participant
2023$1,212 per active participant
2022$676 per active participant

Gardiner & Theobald Inc.'s 2024 employer contribution ran below the $2,416 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 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20242
UBS FINANCIAL SERVICES INC · Investment advisory (plan)$37,274
FIDELITY INVESTMENTS INSTITUTIONAL · Loan processing$20,446

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

Administrative cost history3
2024$57,720 · 0.28%
2023$5,983 · 0.04%
2022$4,375 · 0.03%
Same employer
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First Mile Group, Inc. NY$22.9M · 0.47%
Shen Milsom & Wilke LLC NY$22.9M · 0.47%
Numerix LLC NY$22.5M · 0.31%
Mg Engineering Dpc NY$22.0M · 0.48%

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Source: U.S. Department of Labor, Form 5500 series, EIN 582055197 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.