Plan Ledger DOL Form 5500 · updated monthly

John Moriarty & Associates, Inc.401(k)

JOHN MORIARTY & ASSOCIATES, INC. 401K RETIREMENT PLAN · WINCHESTER, MA · plan year 2024

Reported admin expense ratio · 2024
0.11%

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

John Moriarty & Associates, Inc. reported $117,307 in plan administrative expenses for 2024: 0.11% of average plan assets, below the peer median. Employer contributions averaged $3,326 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 0.01% to 0.11%. The plan sits in the $50M–$250M size bracket, benchmarked here against 10,352 comparable plans and shown alongside other construction employers. By assets it is the 402nd-largest of 2,726 plans among Massachusetts employers on file, and the 562nd of 5,337 in construction. In 2024, employees put in $3.56 for every $1.00 the employer contributed; active participation has shrunk from 593 to 344 since 2022.

Plan summary
Net assets, end of year$112,446,700
Participants with balances494
Active participants344
Employer contributions$1,144,246
Employee contributions$4,069,120
Employer contribution per active participant$3,326
Average account balance$227,625
Benefits paid to participants$14,959,896
Plan auditUnmodified (clean) audit opinion
AuditorMAMACOS BYSIEWICZ & ASSOCIATES
Plan history3
Yearassets · accounts · employer contribution
2024$112.4M · 494 accts · $1.1M emplr
2023$104.8M · 549 accts · $1.4M emplr
2022$82.1M · 595 accts · $1.7M emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$51,553
Audit (IQPA)$8,000
Total administrative$117,307
The John Moriarty & Associates, Inc. 401(k) match · 2024
Employer contribution per active participant$3,326
Median for plans this size$3,635
2024$3,326 per active participant
2023$3,256 per active participant
2022$2,804 per active participant

John Moriarty & Associates, Inc.'s 2024 employer contribution ran below the $3,635 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 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20244
FIDELITY INVESTMENTS INSTITUTIONAL · Loan processing$51,553
MORGAN STANLEY · Investment advisory (plan)$41,087
SENTINEL PENSION ADVISORS · Investment advisory (plan)$16,667
MAMACOS BYSIEWICZ & ASSOCIATES, LL · Accounting / audit$8,000

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$117,307 · 0.11%
2023$54,883 · 0.06%
2022$10,687 · 0.01%
Same employer
Similar plansConstruction · Massachusetts
Dn Tanks, LLC MA$117.9M · 0.12%
The Middlesex Corporation MA$117.9M · 0.18%
Bond Brothers, Inc. MA$95.4M · 0.25%

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Source: U.S. Department of Labor, Form 5500 series, EIN 042852561 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.