Plan Ledger DOL Form 5500 · updated monthly

S. D. Ireland Concrete Construction Corporation401(k)

S. D. IRELAND COMPANIES 401(K) PLAN · WILLISTON, VT · plan year 2025

Reported admin expense ratio · 2025
0.27%

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

S. D. Ireland Concrete Construction Corporation reported $76,767 in plan administrative expenses for 2025: 0.27% of average plan assets, below the peer median. Employer contributions averaged $1,163 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 4 years on file its reported administrative ratio has held roughly steady near 0.269%. The plan sits in the $10M–$50M size bracket, benchmarked here against 1,620 comparable plans and shown alongside other construction employers. By assets it is the 59th-largest of 230 plans among Vermont employers on file, and the 1,478th of 5,337 in construction. In 2025, employees put in $6.07 for every $1.00 the employer contributed; active participation has grown from 320 to 397 since 2022.

Plan summary
Net assets, end of year$31,538,406
Participants with balances489
Active participants397
Employer contributions$461,909
Employee contributions$2,802,215
Employer contribution per active participant$1,163
Average account balance$64,496
Benefits paid to participants$1,770,299
Plan auditUnmodified (clean) audit opinion
AuditorKITTELL, BRANAGAN & SARGENT
Plan history4
Yearassets · accounts · employer contribution
2025$31.5M · 489 accts · $462K emplr
2024$25.5M · 409 accts · $368K emplr
2023$20.7M · 368 accts · $281K emplr
2022$17.5M · 315 accts · $128K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$35,442
Total administrative$76,767
The S. D. Ireland Concrete Construction Corporation 401(k) match · 2025
Employer contribution per active participant$1,163
Median for plans this size$2,666
2025$1,163 per active participant
2024$1,045 per active participant
2023$877 per active participant
2022$400 per active participant

S. D. Ireland Concrete Construction Corporation'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 · 20251
FIDELITY INVESTMENTS INSTITUTIONAL · Loan processing$35,442

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$76,767 · 0.27%
2024$62,004 · 0.27%
2023$49,326 · 0.26%
2022$52,402 · 0.27%
Same employer
Similar plansConstruction · Vermont
PC Construction Company VT$149.6M · 0.09%
Control Technologies, Inc. VT$24.5M · 0.03%
Engineers Construction, Inc VT$22.1M · 0.51%
Vhv Company VT$18.6M

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Source: U.S. Department of Labor, Form 5500 series, EIN 030241751 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.