Plan Ledger DOL Form 5500 · updated monthly

Moravian University403(b)

MORAVIAN UNIVERSITY RETIREMENT PLAN · BETHLEHEM, PA · plan year 2025

Reported admin expense ratio · 2025
0.10%

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

Moravian University reported $135,913 in plan administrative expenses for 2025: 0.10% of average plan assets, below the peer median. Employer contributions averaged $1,571 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 4 years on file its reported administrative ratio has held roughly steady near 0.097%. The plan sits in the $50M–$250M size bracket, benchmarked here against 605 comparable plans and shown alongside other educational services employers. By assets it is the 358th-largest of 3,651 plans among Pennsylvania employers on file, and the 367th of 3,091 in educational services. In 2025, employees put in $1.24 for every $1.00 the employer contributed; active participation has grown from 488 to 1,172 since 2022.

Plan summary
Net assets, end of year$147,604,809
Participants with balances1,106
Active participants1,172
Employer contributions$1,840,918
Employee contributions$2,274,475
Employer contribution per active participant$1,571
Average account balance$133,458
Benefits paid to participants$10,799,262
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$147.6M · 1,106 accts · $1.8M emplr
2024$134.0M · 1,063 accts · $1.8M emplr
2023$122.4M · 1,045 accts · $2.3M emplr
2022$111.3M · 1,037 accts · $2.2M emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$97,128
Investment management$19,885
Audit (IQPA)$18,900
Total administrative$135,913
Employer contributions to the Moravian University plan · 2025
Employer contribution per active participant$1,571
Median for plans this size$4,093
2025$1,571 per active participant
2024$3,246 per active participant
2023$4,469 per active participant
2022$4,494 per active participant

Moravian University's 2025 employer contribution ran below the $4,093 median for plans its size, in the bottom 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 2025 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20253
TIAA · Recordkeeping · Pension consulting$97,128
CORNERSTONE ADVISORS ASSET MGMT · Pension consulting · Investment management$19,885
BAKER TILLY US, LLP · Accounting / audit$18,900

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

Recordkeeper by year3
2025TIAA
2024TIAA
2023TIAA

Looking for an account from a past job here? How to find an old 401(k).

Administrative cost history4
2025$135,913 · 0.10%
2024$116,315 · 0.09%
2023$119,779 · 0.10%
2022$118,423 · 0.10%
Same employer
Similar plansEducational Services · Pennsylvania
Elizabethtown College PA$154.0M · 0.09%
University of Scranton PA$153.8M · 0.09%
Allegheny College PA$151.6M · 0.08%
Ursinus College PA$147.8M · 0.06%
Kings College PA$144.2M · 0.05%
Dickinson College PA$142.6M · 0.06%
Juniata College PA$138.0M · 0.09%

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Source: U.S. Department of Labor, Form 5500 series, EIN 240795460 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.