Plan Ledger DOL Form 5500 · updated monthly

Pb&J Restaurants, Inc.401(k)

PB&J RESTAURANTS, INC. EMPLOYEES 401(K) PLAN · OVERLAND PARK, KS · plan year 2025

Reported admin expense ratio · 2025
0.98%

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

Pb&J Restaurants, Inc. reported $34,907 in plan administrative expenses for 2025: 0.98% of average plan assets, higher than ~75% of peers. Employer contributions averaged $177 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 1.12% to 0.98%. The plan sits in the $1M–$10M size bracket, benchmarked here against 809 comparable plans and shown alongside other accommodation & food services employers. By assets it is among the smaller plans on file in Kansas (689th of 828), and the 1,038th of 2,240 in accommodation & food services. In 2025, employees put in $2.40 for every $1.00 the employer contributed; active participation has shrunk from 699 to 570 since 2022.

Plan summary
Net assets, end of year$3,903,390
Participants with balances106
Active participants570
Employer contributions$101,076
Employee contributions$242,498
Employer contribution per active participant$177
Average account balance$36,824
Benefits paid to participants$172,278
Plan auditUnmodified (clean) audit opinion
AuditorDOWNEY & COMPANY, LLC
Plan history4
Yearassets · accounts · employer contribution
2025$3.9M · 106 accts · $101K emplr
2024$3.2M · 116 accts · $121K emplr
2023$3.2M · 150 accts · $150K emplr
2022$2.7M · 181 accts · $156K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$15,891
Investment management$19,016
Total administrative$34,907
The Pb&J Restaurants, Inc. 401(k) match · 2025
Employer contribution per active participant$177
Median for plans this size$1,464
2025$177 per active participant
2024$209 per active participant
2023$206 per active participant
2022$223 per active participant

Pb&J Restaurants, Inc.'s 2025 employer contribution ran below the $1,464 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 2025 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20252
TPP RETIREMENT PLAN SPECIALISTS LLC · Recordkeeping$12,772
CREATIVE PLANNING · Investment advisory (participants) · Investment advisory (plan)$19,016

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

Recordkeeper by year3
2025TPP RETIREMENT PLAN SPECIALISTS LLC
2024TPP RETIREMENT PLAN SPECIALISTS LLC
2023TPP RETIREMENT PLAN SPECIALISTS LLC

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Administrative cost history4
2025$34,907 · 0.98%
2024$38,957 · 1.22%
2023$31,964 · 1.09%
2022$31,962 · 1.12%
Same employer
Similar plansAccommodation & Food Services · Kansas
Ja-Del, Inc. KS$9.0M · 0.90%
Rhw Management, Inc KS$8.2M · 0.62%
Ruffin Holdings, Inc. KS$6.4M · 0.01%
Lane Enterprises, Inc. KS$5.2M · 0.77%
Gmrg Acq 1, LLC KS$3.7M · 0.67%
Dobski & Associates, Inc. KS$2.2M · 0.83%
Kuehl Enterprises, LLC KS$2.1M · 1.14%

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Source: U.S. Department of Labor, Form 5500 series, EIN 481036874 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.