Plan Ledger DOL Form 5500 · updated monthly

Septagon Construction Company401(k)

SEPTAGON CONSTRUCTION COMPANY 401(K) PROFIT SHARING PLAN · SEDALIA, MO · plan year 2025

Reported admin expense ratio · 2025
0.30%

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

Septagon Construction Company reported $40,075 in plan administrative expenses for 2025: 0.30% of average plan assets, above the peer median. Employer contributions averaged $1,493 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 0.33% to 0.30%. 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 among the smaller plans on file in Missouri (723rd of 1,393), and the 2,566th of 5,337 in construction. In 2025, employees put in $2.92 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$14,178,566
Participants with balances119
Active participants151
Employer contributions$225,378
Employee contributions$658,251
Employer contribution per active participant$1,493
Average account balance$119,148
Benefits paid to participants$979,252
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$14.2M · 119 accts · $225K emplr
2024$12.2M · 123 accts · $238K emplr
2023$11.4M · 135 accts · $238K emplr
2022$10.2M · 132 accts · $220K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$40,075
Total administrative$40,075
The Septagon Construction Company 401(k) match · 2025
Employer contribution per active participant$1,493
Median for plans this size$2,666
2025$1,493 per active participant
2024$1,500 per active participant
2023$1,575 per active participant
2022$1,479 per active participant

Septagon Construction Company'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
NORTH AMERICAN KTRADE ALLIANCE, LLC$25,575
DEMARS PENSION CONSULTING SERVICES$10,500
STEFFES FINANCIAL, LTD.$4,000

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$40,075 · 0.30%
2024$38,025 · 0.32%
2023$35,540 · 0.33%
2022$36,927 · 0.33%
Same employer
Similar plansConstruction · Missouri
Harold G. Butzer, Inc. MO$12.5M · 0.43%

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Source: U.S. Department of Labor, Form 5500 series, EIN 431234876 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.