Plan Ledger DOL Form 5500 · updated monthly

Osp, LLC401(k)

OSP LLC 401K PLAN TRUST · EDINA, MN · plan year 2025

Reported admin expense ratio · 2025
0.13%

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

Osp, LLC reported $30,451 in plan administrative expenses for 2025: 0.13% of average plan assets, below the peer median. Employer contributions averaged $2,894 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 0.15% to 0.13%. The plan sits in the $10M–$50M size bracket, benchmarked here against 1,620 comparable plans and shown alongside other finance & insurance employers. By assets it is the 770th-largest of 1,918 plans among Minnesota employers on file, and 2,657th of 4,798 in finance & insurance. In 2025, employees put in $3.11 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$25,664,777
Participants with balances265
Active participants208
Employer contributions$601,921
Employee contributions$1,874,975
Employer contribution per active participant$2,894
Average account balance$96,848
Benefits paid to participants$2,128,798
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$25.7M · 265 accts · $602K emplr
2024$21.2M · 191 accts · $697K emplr
2023$17.9M · 194 accts · $664K emplr
2022$13.6M · 200 accts · $575K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$25,785
Investment management$4,666
Total administrative$30,451
The Osp, LLC 401(k) match · 2025
Employer contribution per active participant$2,894
Median for plans this size$2,666
2025$2,894 per active participant
2024$3,272 per active participant
2023$3,608 per active participant
2022$2,932 per active participant

Osp, LLC'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 · 20251
FIDELITY INVESTMENTS INSTITUTIONAL · Loan processing$25,785

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$30,451 · 0.13%
2024$23,055 · 0.12%
2023$19,518 · 0.12%
2022$21,606 · 0.15%
Similar plansFinance & Insurance · Minnesota
Wnb Holding Company MN$28.0M · 0.34%
Longevity Holdings Inc MN$27.9M · 0.02%
Northland Securities, Inc. MN$27.8M · 0.44%
Midcountry Bank MN$26.9M · 0.31%
Tena Companies MN$25.5M · 0.02%
Luminate Home Loans, Inc. MN$25.2M · 0.50%

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Source: U.S. Department of Labor, Form 5500 series, EIN 800933663 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.