Plan Ledger DOL Form 5500 · updated monthly

Stoneham Motors Co., Inc.401(k)

STONEHAM MOTORS CO., INC. RETIREMENT PLAN · STONEHAM, MA · plan year 2025

Reported admin expense ratio · 2025
0.44%

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

Stoneham Motors Co., Inc. reported $99,590 in plan administrative expenses for 2025: 0.44% of average plan assets, higher than ~75% of peers. Employer contributions averaged $593 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 0.42% to 0.44%. 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 the 1,185th-largest of 2,726 plans among Massachusetts employers on file, and the 1,298th of 5,215 in retail trade. In 2025, employees put in $8.53 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$23,132,466
Participants with balances156
Active participants176
Employer contributions$104,385
Employee contributions$890,487
Employer contribution per active participant$593
Average account balance$148,285
Benefits paid to participants$2,650,124
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$23.1M · 156 accts · $104K emplr
2024$21.8M · 167 accts · $110K emplr
2023$19.4M · 163 accts · $108K emplr
2022$17.8M · 172 accts · $102K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$99,590
Total administrative$99,590
The Stoneham Motors Co., Inc. 401(k) match · 2025
Employer contribution per active participant$593
Median for plans this size$2,666
2025$593 per active participant
2024$656 per active participant
2023$623 per active participant
2022$621 per active participant

Stoneham Motors Co., 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
PRINCIPAL LIFE INSURANCE COMPANY · Contract administrator · Loan processing$99,590
PASKOWSKI, MICHAEL B. · Other servicesindirect comp
WILSHIRE ADVISORS LLC · Investment advisory (plan)indirect 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$99,590 · 0.44%
2024$94,013 · 0.46%
2023$111,098 · 0.60%
2022$83,890 · 0.42%
Similar plansRetail Trade · Massachusetts
Devaney Energy, Inc. MA$24.3M · 0.17%
Daniel J. Quirk, Inc. MA$23.9M · 0.59%
Energy North, Inc. MA$23.7M · 0.45%
Thrasio, LLC MA$23.1M · 0.13%
Primark US Corp. MA$22.7M · 0.49%
Yale Appliance MA$22.5M · 0.22%
Winston Brothers, Inc. MA$22.1M · 0.24%

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Source: U.S. Department of Labor, Form 5500 series, EIN 042532202 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.