Plan Ledger DOL Form 5500 · updated monthly

Renaissance Community Homes401(k)

RENAISSANCE COMMUNITY HOMES 401(K) PROFIT SHARING PLAN & TRUST · ADRIAN, MI · plan year 2025

Reported admin expense ratio · 2025
0.68%

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

Renaissance Community Homes reported $30,405 in plan administrative expenses for 2025: 0.68% of average plan assets, above the peer median. Employer contributions averaged $484 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 1.71% to 0.68%. The plan sits in the $1M–$10M size bracket, benchmarked here against 809 comparable plans and shown alongside other health care & social assistance employers. By assets it is among the smaller plans on file in Michigan (2,021st of 2,619), and 7,989th of 11,911 in health care & social assistance. In 2025, employees put in $2.17 for every $1.00 the employer contributed; active participation has grown from 231 to 410 since 2022.

Plan summary
Net assets, end of year$4,858,730
Participants with balances234
Active participants410
Employer contributions$198,319
Employee contributions$431,040
Employer contribution per active participant$484
Average account balance$20,764
Benefits paid to participants$381,101
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$4.9M · 234 accts · $198K emplr
2024$4.0M · 261 accts · $165K emplr
2023$3.4M · 319 accts · $112K emplr
2022$368K · 56 accts · $46K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$8,801
Investment management$18,893
Trustee / custodial$2,711
Total administrative$30,405
The Renaissance Community Homes 401(k) match · 2025
Employer contribution per active participant$484
Median for plans this size$1,464
2025$484 per active participant
2024$395 per active participant
2023$282 per active participant
2022$199 per active participant

Renaissance Community Homes'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
ALERUS FINANCIAL, N.A. · Recordkeeping · Trustee$11,512
MMA SECURITIES LLC · Investment advisory (participants) · Investment advisory (plan)$18,893

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

Recordkeeper by year2
2025Alerus
2024Alerus

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Administrative cost history4
2025$30,405 · 0.68%
2024$29,537 · 0.80%
2023$7,089 · 0.38%
2022$4,862 · 1.71%
Same employer
Similar plansHealth Care & Social Assistance · Michigan
Ismail B. Sendi, MD PC MI$5.0M · 0.25%
Mgh Family Health Center MI$4.9M · 0.84%

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Source: U.S. Department of Labor, Form 5500 series, EIN 382702043 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.