Plan Ledger DOL Form 5500 · updated monthly

Panhandle Cooperative Association401(k)

CO-OP 401(K) PLAN · SCOTTSBLUFF, NE · plan year 2024

Reported admin expense ratio · 2024
0.31%

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

Panhandle Cooperative Association reported $9,670 in plan administrative expenses for 2024: 0.31% of average plan assets, below the peer median. Employer contributions averaged $0 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 has held roughly steady near 0.31%. The plan sits in the $1M–$10M size bracket, benchmarked here against 18,840 comparable plans and shown alongside other retail trade employers. By assets it is among the smaller plans on file in Nebraska (499th of 565), and 4,243rd of 5,215 in retail trade.

Plan summary
Net assets, end of year$3,374,198
Participants with balances103
Active participants255
Employer contributions$0
Employee contributions$207,198
Employer contribution per active participant$0
Average account balance$32,759
Benefits paid to participants$96,759
Plan auditUnmodified (clean) audit opinion
AuditorGARDINER+COMPANY
Plan history3
Yearassets · accounts · employer contribution
2024$3.4M · 103 accts
2023$2.9M · 104 accts
2022$2.5M · 105 accts
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$2,202
Investment management$7,468
Total administrative$9,670
The Panhandle Cooperative Association 401(k) match · 2024
Employer contribution per active participant$0
Median for plans this size$1,313

Panhandle Cooperative Association's 2024 employer contribution ran below the $1,313 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 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20242
EDWARD JONES · Investment advisory (plan)$7,468
CAPITAL GROUP RETIREMENT PLAN SVCS. · Trustee (directed) · Other services$2,202

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

Administrative cost history3
2024$9,670 · 0.31%
2023$8,554 · 0.31%
2022$8,479 · 0.32%
Same employer
Similar plansRetail Trade · Nebraska
Jelinek Hardware Company NE$7.5M · 0.57%
Huber Chevrolet Co., Inc. NE$7.5M · 0.14%
Thrift Holdings LLC NE$482K · 3.54%

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Source: U.S. Department of Labor, Form 5500 series, EIN 470360955 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.