Plan Ledger DOL Form 5500 · updated monthly

Onegoal401(k)

ONEGOAL RETIREMENT TRUST · CHICAGO, IL · plan year 2025

Reported admin expense ratio · 2025
0.42%

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

Onegoal reported $68,754 in plan administrative expenses for 2025: 0.42% of average plan assets, above the peer median. Employer contributions averaged $3,263 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 fell from 0.60% to 0.42%. The plan sits in the $10M–$50M size bracket, benchmarked here against 1,620 comparable plans and shown alongside other educational services employers. By assets it is the 1,787th-largest of 3,702 plans among Illinois employers on file, and 1,660th of 3,091 in educational services. In 2025, employees put in $2.68 for every $1.00 the employer contributed; active participation has grown from 194 to 216 since 2022.

Plan summary
Net assets, end of year$18,146,884
Participants with balances287
Active participants216
Employer contributions$704,720
Employee contributions$1,887,658
Employer contribution per active participant$3,263
Average account balance$63,230
Benefits paid to participants$1,849,012
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$18.1M · 287 accts · $705K emplr
2024$14.6M · 297 accts · $673K emplr
2023$11.8M · 294 accts · $593K emplr
2022$8.7M · 253 accts · $496K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$38,760
Investment management$29,994
Total administrative$68,754
The Onegoal 401(k) match · 2025
Employer contribution per active participant$3,263
Median for plans this size$2,666
2025$3,263 per active participant
2024$3,074 per active participant
2023$2,708 per active participant
2022$2,558 per active participant

Onegoal's 2025 employer contribution ran above the $2,666 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 2025 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20253
PRINCIPAL LIFE INSURANCE COMPANY · Contract administrator · Loan processing$38,760
MMA SECURITIES LLC · Investment advisory (plan)$29,994
MORNINGSTAR INVESTMENT MANAGEMENT L · 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 history4
2025$68,754 · 0.42%
2024$59,585 · 0.45%
2023$54,526 · 0.53%
2022$52,088 · 0.60%
Same employer
Similar plansEducational Services · Illinois
Elim Christian Services IL$22.7M · 0.69%
Avery Coonley School IL$20.7M · 0.27%
Judson University IL$17.7M · 0.15%
Apics Inc. IL$17.3M · 0.22%

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Source: U.S. Department of Labor, Form 5500 series, EIN 562369898 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.