Plan Ledger DOL Form 5500 · updated monthly

Laraway Youth & Family Services401(k)

LARAWAY YOUTH & FAMILY SERVICES 401(K) PLAN · JOHNSON, VT · plan year 2024

Reported admin expense ratio · 2024
0.37%

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

Laraway Youth & Family Services reported $8,136 in plan administrative expenses for 2024: 0.37% of average plan assets, below the peer median. Employer contributions averaged $1,039 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 1.50% to 0.37%. The plan sits in the $1M–$10M size bracket, benchmarked here against 18,840 comparable plans and shown alongside other health care & social assistance employers. By assets it is among the smaller plans on file in Vermont (208th of 230), and 9,764th of 11,911 in health care & social assistance. In 2024, employees put in $1.49 for every $1.00 the employer contributed; active participation has shrunk from 90 to 81 since 2022.

Plan summary
Net assets, end of year$2,341,005
Participants with balances105
Active participants81
Employer contributions$84,130
Employee contributions$125,446
Employer contribution per active participant$1,039
Average account balance$22,295
Benefits paid to participants$118,894
Plan auditUnmodified (clean) audit opinion
AuditorKITTELL BRANAGAN & SARGENT
Plan history3
Yearassets · accounts · employer contribution
2024$2.3M · 105 accts · $84K emplr
2023$2.1M · 147 accts · $84K emplr
2022$1.8M · 142 accts · $74K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$8,136
Total administrative$8,136
The Laraway Youth & Family Services 401(k) match · 2024
Employer contribution per active participant$1,039
Median for plans this size$1,313
2024$1,039 per active participant
2023$956 per active participant
2022$818 per active participant

Laraway Youth & Family Services's 2024 employer contribution ran below the $1,313 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 · 20242
PLAN INTEGRITY PARTNERS, LLC · Accounting / audit$3,060
EQUITY SERVICES, INC. · Investment advisory (participants)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 history3
2024$8,136 · 0.37%
2023$4,982 · 0.26%
2022$25,373 · 1.50%
Similar plansHealth Care & Social Assistance · Vermont
Lund Family Center, Inc. VT$2.7M · 1.01%
Mayo Healthcare, Inc. VT$2.4M · 1.10%
Sd Associates, LLC VT$1.2M · 0.59%

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Source: U.S. Department of Labor, Form 5500 series, EIN 030276110 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.