Plan Ledger DOL Form 5500 · updated monthly

Karsten Interior Services, L.P.401(k)

KARSTEN INTERIOR SERVICES, L.P. 401(K) RETIREMENT PLAN · HOUSTON, TX · plan year 2025

Reported admin expense ratio · 2025
0.07%

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

Karsten Interior Services, L.P. reported $6,795 in plan administrative expenses for 2025: 0.07% of average plan assets, lower than ~75% of peers. Employer contributions averaged $1,388 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 0.12% to 0.07%. The plan sits in the $1M–$10M size bracket, benchmarked here against 809 comparable plans and shown alongside other construction employers. By assets it is among the smaller plans on file in Texas (3,047th of 5,688), and 3,072nd of 5,337 in construction. In 2025, employees put in $1.29 for every $1.00 the employer contributed; active participation has grown from 267 to 328 since 2022.

Plan summary
Net assets, end of year$10,142,291
Participants with balances153
Active participants328
Employer contributions$455,404
Employee contributions$588,509
Employer contribution per active participant$1,388
Average account balance$66,289
Benefits paid to participants$846,257
Plan auditUnmodified (clean) audit opinion
AuditorBENTON, DUROY & IVEY, P.C.
Plan history4
Yearassets · accounts · employer contribution
2025$10.1M · 153 accts · $455K emplr
2024$8.8M · 145 accts · $93K emplr
2023$7.7M · 137 accts · $512K emplr
2022$5.9M · 120 accts · $65K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$6,795
Total administrative$6,795
The Karsten Interior Services, L.P. 401(k) match · 2025
Employer contribution per active participant$1,388
Median for plans this size$1,464
2025$1,388 per active participant
2024$296 per active participant
2023$1,830 per active participant
2022$242 per active participant

Karsten Interior Services, L.P.'s 2025 employer contribution ran below the $1,464 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 · 20255
NOVA 401(K) ASSOCIATES · Contract administrator$6,872
PRINCIPAL LIFE INSURANCE COMPANY · Contract administrator · Loan processing$6,793
EDWARD JONES · Investment advisory (plan)indirect comp
MORNINGSTAR INVESTMENT MANAGEMENT L · Investment advisory (participants)indirect comp
WILSHIRE ADVISORS LLC · Investment advisory (plan)indirect comp

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$6,795 · 0.07%
2024$9,079 · 0.11%
2023$7,092 · 0.10%
2022$8,323 · 0.12%
Same employer
Similar plansConstruction · Texas
Harper Systems, Inc. TX$10.3M · 0.46%
Stylecraft Builders, Inc. TX$10.2M · 0.83%
Batjer & Associates, LLC TX$10.0M · 0.75%

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Source: U.S. Department of Labor, Form 5500 series, EIN 760511708 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.