Plan Ledger DOL Form 5500 · updated monthly

Royal Cup, Inc.401(k)

ROYAL CUP, INC. 401(K) RETIREMENT PLAN · BIRMINGHAM, AL · plan year 2025

Reported admin expense ratio · 2025
0.35%

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

Royal Cup, Inc. reported $171,626 in plan administrative expenses for 2025: 0.35% 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 3 years on file its reported administrative ratio rose from 0.20% to 0.35%. The plan sits in the $10M–$50M size bracket, benchmarked here against 1,620 comparable plans and shown alongside other wholesale trade employers. By assets it is the 140th-largest of 902 plans among Alabama employers on file, and the 783rd of 4,246 in wholesale trade. In 2025, employees put in $3.91 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$52,323,070
Participants with balances706
Active participants578
Employer contributions$812,083
Employee contributions$3,178,817
Employer contribution per active participant$1,405
Average account balance$74,112
Benefits paid to participants$5,614,102
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$52.3M · 706 accts · $812K emplr
2024$46.9M · 685 accts · $740K emplr
2023$47.3M · 688 accts · $640K emplr
2022$40.4M · 721 accts · $667K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$99,725
Investment management$57,775
Total administrative$171,626
The Royal Cup, Inc. 401(k) match · 2025
Employer contribution per active participant$1,405
Median for plans this size$2,666
2025$1,405 per active participant
2024$1,340 per active participant
2023$1,210 per active participant
2022$1,207 per active participant

Royal Cup, Inc.'s 2025 employer contribution ran below the $2,666 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 · 20253
PRINCIPAL LIFE INSURANCE COMPANY · Contract administrator$99,725
CAPFINANCIAL PARTNERS LL · Pension consulting · Investment advisory (plan)$71,901
MORNINGSTAR INVESTMENT MANAGEMENT L · 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.

Administrative cost history4
2025$171,626 · 0.35%
2024$157,220 · 0.33%
2023$165,645 · 0.38%
2022$89,412 · 0.20%
Same employer
Similar plansWholesale Trade · Alabama
Thompson Tractor Co., Inc. AL$268.8M · 0.10%
Cowin Equipment Company Inc AL$42.1M · 0.01%
Isg Enterprises, LLC AL$38.4M · 0.70%

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Source: U.S. Department of Labor, Form 5500 series, EIN 630281988 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.