Plan Ledger DOL Form 5500 · updated monthly

Northstar Ems, Inc.401(k)

NORTHSTAR EMS, INC. 401(K) PROFIT SHARING PLAN · TUSCALOOSA, AL · plan year 2025

Reported admin expense ratio · 2025
0.89%

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

Northstar Ems, Inc. reported $56,814 in plan administrative expenses for 2025: 0.89% of average plan assets, higher than ~75% of peers. Employer contributions averaged $611 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 rose from 0.82% to 0.89%. The plan sits in the $1M–$10M size bracket, benchmarked here against 809 comparable plans and shown alongside other health care & social assistance employers. By assets it is among the smaller plans on file in Alabama (557th of 902), and 7,014th of 11,911 in health care & social assistance. In 2025, employees put in $2.40 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$6,696,514
Participants with balances128
Active participants231
Employer contributions$141,247
Employee contributions$338,886
Employer contribution per active participant$611
Average account balance$52,317
Benefits paid to participants$761,195
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$6.7M · 128 accts · $141K emplr
2024$6.1M · 127 accts · $138K emplr
2023$5.4M · 143 accts · $134K emplr
2022$4.6M · 144 accts · $138K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$40,907
Investment management$15,907
Total administrative$56,814
The Northstar Ems, Inc. 401(k) match · 2025
Employer contribution per active participant$611
Median for plans this size$1,464
2025$611 per active participant
2024$595 per active participant
2023$553 per active participant
2022$614 per active participant

Northstar Ems, Inc.'s 2025 employer contribution ran below the $1,464 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 · 20252
JOHN HANCOCK LIFE INSURANCE COMPANY · Recordkeeping · Investment management$1,250
RAYMOND JAMES · Investment advisory (participants)$15,907

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

Recordkeeper by year3
2025John Hancock
2024John Hancock
2023John Hancock

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

Administrative cost history4
2025$56,814 · 0.89%
2024$54,914 · 0.96%
2023$52,142 · 1.04%
2022$41,217 · 0.82%
Same employer
Similar plansHealth Care & Social Assistance · Alabama
Surgery Center, Jv AL$6.4M · 0.09%

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Source: U.S. Department of Labor, Form 5500 series, EIN 631219758 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.