Plan Ledger DOL Form 5500 · updated monthly

Keystone Insurers Group, Inc.401(k)

KEYSTONE INSURERS GROUP, INC. 401(K) PLAN · NORTHUMBERLAND, PA · plan year 2024

Reported admin expense ratio · 2024
0.29%

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

Keystone Insurers Group, Inc. reported $76,957 in plan administrative expenses for 2024: 0.29% of average plan assets, below the peer median. Employer contributions averaged $5,893 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 has held roughly steady near 0.285%. The plan sits in the $10M–$50M size bracket, benchmarked here against 27,838 comparable plans and shown alongside other finance & insurance employers. By assets it is the 1,259th-largest of 3,651 plans among Pennsylvania employers on file, and 2,556th of 4,798 in finance & insurance. In 2024, employees put in $2.13 for every $1.00 the employer contributed; active participation has grown from 137 to 151 since 2022.

Plan summary
Net assets, end of year$27,490,294
Participants with balances226
Active participants151
Employer contributions$889,843
Employee contributions$1,899,707
Employer contribution per active participant$5,893
Average account balance$121,638
Benefits paid to participants$7,077,075
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$0
2024$27.5M · 226 accts · $890K emplr
2023$26.4M · 218 accts · $572K emplr
2022$17.6M · 148 accts · $500K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$73,957
Total administrative$76,957
The Keystone Insurers Group, Inc. 401(k) match · 2024
Employer contribution per active participant$5,893
Median for plans this size$2,416
2024$5,893 per active participant
2023$3,026 per active participant
2022$3,651 per active participant

Keystone Insurers Group, Inc.'s 2024 employer contribution ran above the $2,416 median for plans its size, placing it in the top 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 · 20243
CAMBRIDGE INVESTMENT GROUP · Investment advisory (plan)$64,079
DUNCAN FINANCIAL GROUP, LLC DBA · Contract administrator$11,049

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

Administrative cost history4
2025Not separately reported
2024$76,957 · 0.29%
2023$59,182 · 0.27%
2022$56,798 · 0.29%
Same employer
Similar plansFinance & Insurance · Pennsylvania
Wayne Bank PA$28.2M · 0.03%
Lombard International PA$28.2M · 0.10%
The Benecon Group, LLC PA$27.3M · 0.32%
Nextier Bank, N.A. PA$27.1M · 0.46%
1ST Summit Bancorp PA$26.9M · 0.12%

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Source: U.S. Department of Labor, Form 5500 series, EIN 232263940 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.