Plan Ledger DOL Form 5500 · updated monthly

Smith Land & Improvement Corporation & Subsidiaries401(k)

SMITH LAND SAVINGS & RETIREMENT PLAN · CAMP HILL, PA · plan year 2025

Reported admin expense ratio · 2025
0.43%

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

Smith Land & Improvement Corporation & Subsidiaries reported $55,535 in plan administrative expenses for 2025: 0.43% of average plan assets, above the peer median. Employer contributions averaged $1,093 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 0.39% to 0.43%. The plan sits in the $10M–$50M size bracket, benchmarked here against 1,620 comparable plans and shown alongside other retail trade employers. By assets it is among the smaller plans on file in Pennsylvania (2,010th of 3,651), and the 2,116th of 5,215 in retail trade. In 2025, employees put in $3.60 for every $1.00 the employer contributed; active participation has grown from 146 to 170 since 2022.

Plan summary
Net assets, end of year$13,115,594
Participants with balances164
Active participants170
Employer contributions$185,725
Employee contributions$669,529
Employer contribution per active participant$1,093
Average account balance$79,973
Benefits paid to participants$2,582,690
Plan auditUnmodified (clean) audit opinion
AuditorBOYER & RITTER
Plan history4
Yearassets · accounts · employer contribution
2025$13.1M · 164 accts · $186K emplr
2024$13.0M · 161 accts · $188K emplr
2023$13.0M · 163 accts · $133K emplr
2022$11.3M · 192 accts · $118K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$12,375
Investment management$42,160
Trustee / custodial$1,000
Total administrative$55,535
The Smith Land & Improvement Corporation & Subsidiaries 401(k) match · 2025
Employer contribution per active participant$1,093
Median for plans this size$2,666
2025$1,093 per active participant
2024$1,185 per active participant
2023$890 per active participant
2022$812 per active participant

Smith Land & Improvement Corporation & Subsidiaries'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
FULTON BANK, N.A. · Recordkeeping · Consulting$55,535

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

Recordkeeper by year3
2025FULTON BANK, N.A.
2024FULTON BANK, N.A.
2023FULTON BANK, N.A.

Looking for an account from a past job here? How to find an old 401(k).

Administrative cost history4
2025$55,535 · 0.43%
2024$60,007 · 0.46%
2023$51,238 · 0.42%
2022$47,898 · 0.39%
Same employer
Similar plansRetail Trade · Pennsylvania
Transteck, Inc PA$13.6M · 0.59%
Peruzzi Buick Gmc, Inc. PA$13.5M · 0.72%
Martella's Pharmacies PA$13.4M · 0.52%
Woltz & Wind Ford, Inc. PA$13.0M · 0.32%
Rgh Automotive, LLC PA$12.8M · 0.29%
Sunbury Motor Company PA$12.8M · 0.40%

Why are you looking at this plan?

Compare

Source: U.S. Department of Labor, Form 5500 series, EIN 251284067 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.