Plan Ledger DOL Form 5500 · updated monthly

Pentegra Services, Inc.401(k)

THE 401(K) PLAN · WHITE PLAINS, NY · plan year 2024

Reported admin expense ratio · 2024
0.76%

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

Pentegra Services, Inc. reported $984,923 in plan administrative expenses for 2024: 0.76% of average plan assets, higher than ~90% of peers. Employer contributions averaged $709 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 1 year on file its reported administrative ratio rose from 0.55% to 0.76%. The plan sits in the $50M–$250M size bracket, benchmarked here against 10,352 comparable plans and shown alongside other real estate & leasing employers. By assets it is the 482nd-largest of 5,648 plans among New York employers on file, and the 63rd of 2,096 in real estate & leasing. In 2024, employees put in $2.65 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$192,114,031
Participants with balances9,306
Active participants9,164
Employer contributions$6,497,508
Employee contributions$17,230,535
Employer contribution per active participant$709
Average account balance$20,644
Benefits paid to participants$19,936,892
Plan auditUnmodified (clean) audit opinion
Plan history2
Yearassets · accounts · employer contribution
2024$192.1M · 9,306 accts · $6.5M emplr
2023$68.0M · 2,130 accts · $6.0M emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$984,923
Total administrative$984,923
The Pentegra Services, Inc. 401(k) match · 2024
Employer contribution per active participant$709
Median for plans this size$3,635
2024$709 per active participant
2023$3,048 per active participant

Pentegra Services, Inc.'s 2024 employer contribution ran below the $3,635 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 · 20248
PENTEGRA SERVICES INC · Contract administrator$478,350
NFP RETIREMENT INC · Investment advisory (plan)$239,181
BENEFIT TRUST COMPANY · Contract administrator · Trustee (directed)$19,074
FLEXPATH STRATEGIES LLC · Investment advisory (plan)$6,309
KESTRA ADVISORY SERVICES LLC · Investment advisory (plan)$3,666
MMLIS · Investment advisory (plan)$3,208
EMPOWER ADVISORY GROUP LLC · Investment management$305

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

Recordkeeper by year2
2024Pentegra, Transamerica
2023Pentegra, Transamerica

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Administrative cost history2
2024$984,923 · 0.76%
2023$191,213 · 0.55%
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Source: U.S. Department of Labor, Form 5500 series, EIN 133745616 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.