Plan Ledger DOL Form 5500 · updated monthly

Sterling Lumber & Investment Company401(k)

STERLING LUMBER & INVESTMENT COMPANY 401(K) PLAN · BROOMFIELD, CO · plan year 2025

Reported admin expense ratio · 2025
0.09%

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

Sterling Lumber & Investment Company reported $16,764 in plan administrative expenses for 2025: 0.09% of average plan assets, lower than ~75% of peers. Employer contributions averaged $2,218 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 0.07% to 0.09%. The plan sits in the $10M–$50M size bracket, benchmarked here against 1,620 comparable plans and shown alongside other agriculture, forestry & fishing employers. By assets it is the 505th-largest of 1,461 plans among Colorado employers on file, and the 234th of 945 in agriculture, forestry & fishing. In 2025, employees put in $1.72 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$20,696,671
Participants with balances213
Active participants132
Employer contributions$292,750
Employee contributions$502,151
Employer contribution per active participant$2,218
Average account balance$97,167
Benefits paid to participants$837,965
Plan auditUnmodified (clean) audit opinion
AuditorR W & ASSOCIATES, PC
Plan history4
Yearassets · accounts · employer contribution
2025$20.7M · 213 accts · $293K emplr
2024$17.9M · 210 accts · $814K emplr
2023$16.9M · 208 accts · $867K emplr
2022$14.7M · 182 accts · $1.2M emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$16,764
Total administrative$16,764
The Sterling Lumber & Investment Company 401(k) match · 2025
Employer contribution per active participant$2,218
Median for plans this size$2,666
2025$2,218 per active participant
2024$6,029 per active participant
2023$6,470 per active participant
2022$9,679 per active participant

Sterling Lumber & Investment Company's 2025 employer contribution ran below the $2,666 median for plans its size. 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
ALLIANCE PENSION CONSULTANTS, LLC · Recordkeeping · Loan processing$16,764

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

Recordkeeper by year2
2025ALLIANCE PENSION CONSULTANTS, LLC
2024ALLIANCE PENSION CONSULTANTS, LLC

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

Administrative cost history4
2025$16,764 · 0.09%
2024$14,427 · 0.08%
2023$5,053 · 0.03%
2022$10,910 · 0.07%
Same employer
Similar plansAgriculture, Forestry & Fishing · Colorado
Hudick Excavating, Inc. CO$6.4M · 0.74%
Agfinity, Inc. CO$6.2M · 0.60%
Charlotte's Web Inc. CO$5.5M · 0.20%
S & W Seed Company CO$5.5M · 0.12%

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Source: U.S. Department of Labor, Form 5500 series, EIN 840328810 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.