Plan Ledger DOL Form 5500 · updated monthly

Stein Garden Centers, Inc.401(k)

STEIN GARDEN CENTERS, INC. 401(K) PLAN · MILWAUKEE, WI · plan year 2025

Reported admin expense ratio · 2025
0.55%

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

Stein Garden Centers, Inc. reported $88,125 in plan administrative expenses for 2025: 0.55% of average plan assets, higher than ~75% of peers. Employer contributions averaged $954 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 0.55%. 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 Wisconsin (979th of 1,936), and the 1,737th of 5,215 in retail trade. In 2025, employees put in $2.46 for every $1.00 the employer contributed; active participation has grown from 206 to 253 since 2022.

Plan summary
Net assets, end of year$16,765,079
Participants with balances218
Active participants253
Employer contributions$241,323
Employee contributions$593,741
Employer contribution per active participant$954
Average account balance$76,904
Benefits paid to participants$1,578,000
Plan auditUnmodified (clean) audit opinion
AuditorCHORTEK LLP
Plan history4
Yearassets · accounts · employer contribution
2025$16.8M · 218 accts · $241K emplr
2024$15.3M · 221 accts · $255K emplr
2023$14.3M · 213 accts · $258K emplr
2022$13.7M · 206 accts · $264K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$49,574
Investment management$38,551
Total administrative$88,125
The Stein Garden Centers, Inc. 401(k) match · 2025
Employer contribution per active participant$954
Median for plans this size$2,666
2025$954 per active participant
2024$1,080 per active participant
2023$1,143 per active participant
2022$1,279 per active participant

Stein Garden Centers, 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
TRANSAMERICA RETIREMENT SOLUTIONS · Recordkeeping · Loan processing$45,610
PENSION INC. · Recordkeeping · Loan processing$3,964
ROBERT W. BAIRD & CO. INC. · Investment advisory (plan)$38,551

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

Recordkeeper by year3
2025PENSION INC., Transamerica
2024PENSION INC., Transamerica
2023PENSION INC., Transamerica

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

Administrative cost history4
2025$88,125 · 0.55%
2024$84,183 · 0.57%
2023$69,885 · 0.50%
2022$58,198 · 0.39%
Same employer
Similar plansRetail Trade · Wisconsin
Richardson Industries, Inc. WI$19.0M · 0.09%
Griffin Ford, Inc. WI$18.0M · 0.39%
Kocourek Chevrolet, Inc. WI$17.4M · 0.50%
Fox Brothers Piggly Wiggly WI$17.0M · 0.02%
Wg&R Furniture Co., Inc. WI$16.7M · 0.50%
Grand Appliance Co., Inc. WI$16.6M · 0.65%
Morton Drug Company WI$16.2M · 0.46%
T.A. Solberg Co., Inc. WI$14.8M · 0.54%

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Source: U.S. Department of Labor, Form 5500 series, EIN 390965827 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.