Plan Ledger DOL Form 5500 · updated monthly

Oklahoma City Bakery Inc.401(k)

OKLAHOMA CITY BAKERY INC. DBA PANERA BREAD COMPANY 401K PLAN · SPRINGFIELD, MO · plan year 2022

Reported admin expense ratio · 2022
0.01%

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

Oklahoma City Bakery Inc. reported $246 in plan administrative expenses for 2022: 0.01% of average plan assets, lower than ~75% of peers. Employer contributions averaged $118 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.

The plan sits in the $1M–$10M size bracket, benchmarked here against 30,021 comparable plans and shown alongside other accommodation & food services employers. By assets it is among the smaller plans on file in Missouri (1,353rd of 1,393), and 1,864th of 2,240 in accommodation & food services. In 2022, employees put in $3.02 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$637,598
Participants with balances48
Active participants557
Employer contributions$65,619
Employee contributions$198,004
Employer contribution per active participant$118
Average account balance$13,283
Benefits paid to participants$1,894,677
Plan auditUnmodified (clean) audit opinion
AuditorKPM CPAS P.C.
Plan history2
Yearassets · accounts · employer contribution
2023$0
2022$638K · 48 accts · $66K emplr
Administrative expenses, itemized · 2022
Recordkeeping & contract admin$246
Total administrative$246
The Oklahoma City Bakery Inc. 401(k) match · 2022
Employer contribution per active participant$118
Median for plans this size$1,114

Oklahoma City Bakery Inc.'s 2022 employer contribution ran below the $1,114 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 2022 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Administrative cost history2
2023Not separately reported
2022$246 · 0.01%
Similar plansAccommodation & Food Services · Missouri
Eqh Service Company, LLC MO$741K · 0.11%
Cnw Management, LLC MO$358K · 0.41%
Banducci Enterprises Inc MO$217K · 0.46%

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Source: U.S. Department of Labor, Form 5500 series, EIN 731557437 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.