Plan Ledger DOL Form 5500 · updated monthly

T Graham Companies401(k)

GRAHAM TIRE COMPANY 401(K) PROFIT SHARING PLAN · SIOUX FALLS, SD · plan year 2025

Reported admin expense ratio · 2025
0.06%

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

T Graham Companies reported $11,079 in plan administrative expenses for 2025: 0.06% of average plan assets, lower than ~75% of peers. Employer contributions averaged $787 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 fell from 0.11% to 0.06%. 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 95th-largest of 233 plans among South Dakota employers on file, and the 1,478th of 5,215 in retail trade. In 2025, employees put in $4.07 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$19,629,118
Participants with balances145
Active participants244
Employer contributions$192,066
Employee contributions$781,520
Employer contribution per active participant$787
Average account balance$135,373
Benefits paid to participants$1,630,303
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$19.6M · 145 accts · $192K emplr
2024$18.1M · 148 accts · $185K emplr
2023$16.1M · 150 accts · $188K emplr
2022$13.9M · 162 accts · $186K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$5,922
Total administrative$11,079
The T Graham Companies 401(k) match · 2025
Employer contribution per active participant$787
Median for plans this size$2,666
2025$787 per active participant
2024$737 per active participant
2023$722 per active participant
2022$741 per active participant

T Graham Companies'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

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

Recordkeeper by year3
2025Bank of America / Merrill
2024Bank of America / Merrill
2023Bank of America / Merrill

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Administrative cost history4
2025$11,079 · 0.06%
2024$25,180 · 0.15%
2023$24,036 · 0.16%
2022$16,755 · 0.11%
Same employer
Similar plansRetail Trade · South Dakota
Furniture Mart USA, Inc. SD$34.6M · 0.16%
Vern Eide Motorcars SD$31.6M · 0.53%
Karl's, Inc. SD$24.2M
Sioux Falls Ford, Inc. SD$15.8M · 0.26%
Moyle Petroleum Company SD$10.5M · 0.46%
County Fair, Inc. SD$8.5M · 0.23%

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Source: U.S. Department of Labor, Form 5500 series, EIN 274447171 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.