Plan Ledger DOL Form 5500 · updated monthly

Pathways Inc401(k)

PATHWAYS, INCORPORATED EMPLOYEES' RETIREMENT PLAN · CORNING, NY · plan year 2025

Reported admin expense ratio · 2025
0.54%

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

Pathways Inc reported $107,385 in plan administrative expenses for 2025: 0.54% of average plan assets, higher than ~75% of peers. Employer contributions averaged $2,344 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 0.59% to 0.54%. The plan sits in the $10M–$50M size bracket, benchmarked here against 1,620 comparable plans and shown alongside other health care & social assistance employers. By assets it is the 2,428th-largest of 5,648 plans among New York employers on file, and the 3,514th of 11,911 in health care & social assistance. In 2025, the employer put in $2.05 for every $1.00 employees contributed themselves.

Plan summary
Net assets, end of year$21,364,548
Participants with balances488
Active participants508
Employer contributions$1,190,543
Employee contributions$580,441
Employer contribution per active participant$2,344
Average account balance$43,780
Benefits paid to participants$1,435,389
Plan auditUnmodified (clean) audit opinion
AuditorMENGEL METZGER BARR AND CO. LLP
Plan history4
Yearassets · accounts · employer contribution
2025$21.4M · 488 accts · $1.2M emplr
2024$18.2M · 463 accts · $964K emplr
2023$17.1M · 524 accts · $845K emplr
2022$14.9M · 534 accts · $849K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$70,594
Investment management$36,777
Total administrative$107,385
The Pathways Inc 401(k) match · 2025
Employer contribution per active participant$2,344
Median for plans this size$2,666
2025$2,344 per active participant
2024$1,943 per active participant
2023$1,708 per active participant
2022$1,543 per active participant

Pathways Inc's 2025 employer contribution ran below 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 · 20254
JOHN HANCOCK LIFE INS COMPANY OF NY · Recordkeeping · Investment management$5,660
LPL FINANCIAL LLC - RPCP · Investment advisory (participants)$27,583
CITIZENS & NORTHERN BANK · Investment advisory (participants)$9,194
LPL FINANCIAL LLC - RPCP · 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.

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

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Administrative cost history4
2025$107,385 · 0.54%
2024$111,211 · 0.63%
2023$97,704 · 0.61%
2022$97,646 · 0.59%
Same employer
Similar plansHealth Care & Social Assistance · New York
Housing Works, Inc. NY$21.1M · 0.13%
East River Medical Imaging NY$21.0M · 0.43%

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Source: U.S. Department of Labor, Form 5500 series, EIN 161089007 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.