Plan Ledger DOL Form 5500 · updated monthly

Silver Cloud, Inc.401(k)

SILVER CLOUD INNS RETIREMENT PLAN · BELLEVUE, WA · plan year 2025

Reported admin expense ratio · 2025
0.81%

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

Silver Cloud, Inc. reported $108,806 in plan administrative expenses for 2025: 0.81% of average plan assets, higher than ~90% of peers. Employer contributions averaged $387 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 0.73% to 0.81%. The plan sits in the $10M–$50M size bracket, benchmarked here against 1,620 comparable plans and shown alongside other accommodation & food services employers. By assets it is among the smaller plans on file in Washington (891st of 1,714), and the 432nd of 2,240 in accommodation & food services. In 2025, employees put in $2.73 for every $1.00 the employer contributed; active participation has grown from 476 to 574 since 2022.

Plan summary
Net assets, end of year$14,026,348
Participants with balances186
Active participants574
Employer contributions$221,959
Employee contributions$605,236
Employer contribution per active participant$387
Average account balance$75,410
Benefits paid to participants$1,271,309
Plan auditUnmodified (clean) audit opinion
AuditorPOULSEN VANLEUVEN & CATMULL
Plan history4
Yearassets · accounts · employer contribution
2025$14.0M · 186 accts · $222K emplr
2024$12.9M · 190 accts · $222K emplr
2023$11.9M · 197 accts · $160K emplr
2022$10.1M · 234 accts · $229K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$78,472
Total administrative$108,806
The Silver Cloud, Inc. 401(k) match · 2025
Employer contribution per active participant$387
Median for plans this size$2,666
2025$387 per active participant
2024$397 per active participant
2023$309 per active participant
2022$481 per active participant

Silver Cloud, 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
BENSLER, LLCindirect comp
PENSION DESIGN & ADMIN., INC · Other servicesindirect 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$108,806 · 0.81%
2024$99,758 · 0.81%
2023$59,150 · 0.54%
2022$85,544 · 0.73%
Same employer
Similar plansAccommodation & Food Services · Washington
Space Needle LLC WA$16.4M · 0.51%
Dicks Drive-Ins LTD., LP WA$14.7M · 0.53%
Upper Skagit Indian Tribe WA$14.3M · 0.65%
Emerald City Pizza, LLC WA$12.7M · 0.20%
Mod Super Fast Pizza, LLC WA$12.7M · 3.01%
Northwest Restaurants, Inc WA$11.4M · 0.59%

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Source: U.S. Department of Labor, Form 5500 series, EIN 911256659 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.