Plan Ledger DOL Form 5500 · updated monthly

Integral Federal, Inc.401(k)

INTEGRAL FEDERAL, INC. 401(K) RETIREMENT PLAN · ROCKVILLE, MD · plan year 2025

Reported admin expense ratio · 2025
0.37%

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

Integral Federal, Inc. reported $55,277 in plan administrative expenses for 2025: 0.37% of average plan assets, above the peer median. Employer contributions averaged $2,996 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 0.41% to 0.37%. 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 715th-largest of 1,671 plans among Maryland employers on file, and 5,979th of 11,654 in professional & technical services. In 2025, employees put in $2.68 for every $1.00 the employer contributed; active participation has grown from 155 to 178 since 2022.

Plan summary
Net assets, end of year$17,726,345
Participants with balances182
Active participants178
Employer contributions$533,255
Employee contributions$1,427,392
Employer contribution per active participant$2,996
Average account balance$97,398
Benefits paid to participants$2,860,395
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$17.7M · 182 accts · $533K emplr
2024$12.0M · 200 accts · $389K emplr
2023$10.2M · 156 accts · $371K emplr
2022$9.0M · 157 accts · $396K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$28,506
Investment management$26,771
Total administrative$55,277
The Integral Federal, Inc. 401(k) match · 2025
Employer contribution per active participant$2,996
Median for plans this size$2,666
2025$2,996 per active participant
2024$1,776 per active participant
2023$2,062 per active participant
2022$2,553 per active participant

Integral Federal, 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 · 20252
FIDELITY INVESTMENTS INSTITUTIONAL · Loan processing$28,506
PNC BANK NATIONAL ASSOCIATION · Investment advisory (plan)$25,688

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$55,277 · 0.37%
2024$53,277 · 0.48%
2023$40,348 · 0.42%
2022$39,471 · 0.41%
Same employer
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Source: U.S. Department of Labor, Form 5500 series, EIN 522081090 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.