Plan Ledger DOL Form 5500 · updated monthly

H&S Bakery, Inc.401(k)

H&S FAMILY OF BAKERIES 401(K) PLAN · BALTIMORE, MD · plan year 2024

Reported admin expense ratio · 2024
0.19%

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

H&S Bakery, Inc. reported $73,235 in plan administrative expenses for 2024: 0.19% of average plan assets, below the peer median. Employer contributions averaged $855 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 0.25% to 0.19%. The plan sits in the $10M–$50M size bracket, benchmarked here against 27,838 comparable plans and shown alongside other manufacturing employers. By assets it is the 384th-largest of 1,671 plans among Maryland employers on file, and the 3,691st of 13,661 in manufacturing. In 2024, employees put in $3.32 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$39,798,987
Participants with balances426
Active participants633
Employer contributions$541,239
Employee contributions$1,798,086
Employer contribution per active participant$855
Average account balance$93,425
Benefits paid to participants$3,637,597
Plan auditUnmodified (clean) audit opinion
AuditorMACALPINE, CARLL & CO. LLC
Plan history3
Yearassets · accounts · employer contribution
2024$39.8M · 426 accts · $541K emplr
2023$35.4M · 429 accts · $525K emplr
2022$30.9M · 439 accts · $563K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$55,363
Investment management$17,525
Trustee / custodial$347
Total administrative$73,235
The H&S Bakery, Inc. 401(k) match · 2024
Employer contribution per active participant$855
Median for plans this size$2,416
2024$855 per active participant
2023$815 per active participant
2022$922 per active participant

H&S Bakery, 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 · 20241
NWPS · Recordkeeping · Loan processing$72,388

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

Recordkeeper by year2
2024NWPS
2023NWPS

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

Administrative cost history3
2024$73,235 · 0.19%
2023$67,031 · 0.20%
2022$93,203 · 0.25%
All plans at this employer2
H&S FAMILY OF BAKERIES 401(K) PLAN401(k)
H&S FAMILY OF BAKERIES UNION 401(K) PLAN401(k)
Same employer
Similar plansManufacturing · Maryland
Jason Pharmaceuticals, Inc. MD$48.0M · 0.15%
Powercon Corporation MD$44.9M · 0.23%
Independent Can Company MD$40.4M · 0.34%
Tate Access Floors, Inc. MD$39.7M · 0.25%
Phoenix Color Corp. MD$38.3M · 0.18%
Elite Spice, Inc. MD$37.8M · 0.32%

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Source: U.S. Department of Labor, Form 5500 series, EIN 520748852 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.