Plan Ledger DOL Form 5500 · updated monthly

Publishers Circulation Fulfillment, Inc.401(k)

PUBLISHERS CIRCULATION FULFILLMENT, INC. RETIREMENT PLAN · HUNT VALLEY, MD · plan year 2024

Reported admin expense ratio · 2024
0.41%

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

Publishers Circulation Fulfillment, Inc. reported $105,562 in plan administrative expenses for 2024: 0.41% of average plan assets, above the peer median. Employer contributions averaged $1,405 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 2 years on file its reported administrative ratio rose from 0.28% to 0.41%. The plan sits in the $10M–$50M size bracket, benchmarked here against 27,838 comparable plans and shown alongside other retail trade employers. By assets it is the 517th-largest of 1,671 plans among Maryland employers on file, and the 1,137th of 5,215 in retail trade. In 2024, employees put in $4.15 for every $1.00 the employer contributed; active participation has shrunk from 215 to 156 since 2022.

Plan summary
Net assets, end of year$26,761,427
Participants with balances238
Active participants156
Employer contributions$219,117
Employee contributions$909,722
Employer contribution per active participant$1,405
Average account balance$112,443
Benefits paid to participants$2,427,139
Plan auditUnmodified (clean) audit opinion
AuditorKATZ ABOSCH
Plan history3
Yearassets · accounts · employer contribution
2024$26.8M · 238 accts · $219K emplr
2023$25.2M · 236 accts · $213K emplr
2022$24.0M · 255 accts · $179K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$70,984
Investment management$34,578
Total administrative$105,562
The Publishers Circulation Fulfillment, Inc. 401(k) match · 2024
Employer contribution per active participant$1,405
Median for plans this size$2,416
2024$1,405 per active participant
2023$566 per active participant
2022$834 per active participant

Publishers Circulation Fulfillment, Inc.'s 2024 employer contribution ran below the $2,416 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 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20242
FIDELITY INVESTMENTS INSTITUTIONAL · Loan processing$70,984
ROCATON INVESTMENT ADVISORS LLC · Investment advisory (plan)$34,578

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$105,562 · 0.41%
2023$63,774 · 0.26%
2022$76,782 · 0.28%
Same employer
Similar plansRetail Trade · Maryland
Criswell Chevrolet Inc. MD$29.1M · 0.50%
Moi, Inc. MD$28.1M · 0.34%
Ourisman Chevrolet Co. Inc. MD$27.0M · 0.01%
Fcn, Inc. MD$25.5M · 0.49%
A. C. and T. Co. Inc. MD$23.7M · 0.63%
Jones Junction Inc MD$23.3M · 0.44%

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Source: U.S. Department of Labor, Form 5500 series, EIN 521318059 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.