Plan Ledger DOL Form 5500 · updated monthly

Sto Building Group, Inc.401(k)

STRUCTURE TONE ORGANIZATION 401K PROFIT SHARING PLAN · NEW YORK, NY · plan year 2024

Reported admin expense ratio · 2024
0.18%

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

Sto Building Group, Inc. reported $684,166 in plan administrative expenses for 2024: 0.18% of average plan assets, higher than ~75% of peers. Employer contributions averaged $3,437 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 has held roughly steady near 0.175%. The plan sits in the $250M–$1B size bracket, benchmarked here against 2,883 comparable plans and shown alongside other construction employers. By assets it is the 264th-largest of 5,648 plans among New York employers on file, and the 176th of 5,337 in construction. In 2024, employees put in $3.42 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$402,346,035
Participants with balances2,093
Active participants1,549
Employer contributions$5,324,378
Employee contributions$18,216,072
Employer contribution per active participant$3,437
Average account balance$192,234
Benefits paid to participants$44,290,585
Plan auditUnmodified (clean) audit opinion
AuditorGRASSI & CO
Plan history3
Yearassets · accounts · employer contribution
2024$402.3M · 2,093 accts · $5.3M emplr
2023$377.4M · 2,135 accts · $5.3M emplr
2022$325.1M · 2,068 accts · $4.8M emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$247,603
Investment management$436,563
Total administrative$684,166
The Sto Building Group, Inc. 401(k) match · 2024
Employer contribution per active participant$3,437
Median for plans this size$4,294
2024$3,437 per active participant
2023$3,478 per active participant
2022$3,340 per active participant

Sto Building Group, Inc.'s 2024 employer contribution ran below the $4,294 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 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20244
TRANSAMERICA RETIREMENT SOLUTIONS · Claims processing · Recordkeeping$247,603
FINANCIAL ENGINES · Investment advisory (participants)$353,605
MERCER INVESTMENTS LLC · Investment advisory (plan)$82,958
NATIONAL FINANCIAL SERVICES · Securities brokerageindirect comp

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

Recordkeeper by year2
2024Transamerica
2023Transamerica

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

Administrative cost history3
2024$684,166 · 0.18%
2023$649,891 · 0.19%
2022$656,066 · 0.18%
Same employer
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Source: U.S. Department of Labor, Form 5500 series, EIN 814302917 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.