Plan Ledger DOL Form 5500 · updated monthly

Tena Companies401(k)

TENA COMPANIES 401K PLAN · ST PAUL, MN · plan year 2025

Reported admin expense ratio · 2025
0.02%

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

Tena Companies reported $4,071 in plan administrative expenses for 2025: 0.02% of average plan assets, lower than ~75% of peers. Employer contributions averaged $3,191 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 0.020% to 0.017%. The plan sits in the $10M–$50M size bracket, benchmarked here against 1,620 comparable plans and shown alongside other finance & insurance employers. By assets it is the 774th-largest of 1,918 plans among Minnesota employers on file, and 2,667th of 4,798 in finance & insurance. In 2025, employees put in $2.45 for every $1.00 the employer contributed; active participation has shrunk from 175 to 129 since 2022.

Plan summary
Net assets, end of year$25,463,046
Participants with balances156
Active participants129
Employer contributions$411,669
Employee contributions$1,007,207
Employer contribution per active participant$3,191
Average account balance$163,225
Benefits paid to participants$2,011,421
Plan auditUnmodified (clean) audit opinion
AuditorSCHECHTER DOKKEN KANTER
Plan history4
Yearassets · accounts · employer contribution
2025$25.5M · 156 accts · $412K emplr
2024$22.5M · 168 accts · $437K emplr
2023$19.8M · 187 accts · $479K emplr
2022$16.4M · 209 accts · $514K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$4,071
Total administrative$4,071
The Tena Companies 401(k) match · 2025
Employer contribution per active participant$3,191
Median for plans this size$2,666
2025$3,191 per active participant
2024$3,187 per active participant
2023$3,169 per active participant
2022$2,935 per active participant

Tena Companies's 2025 employer contribution ran above 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.

Recordkeeper by year2
2024ADP
2023ADP

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Administrative cost history4
2025$4,071 · 0.02%
2024$93,374 · 0.44%
2023$3,924 · 0.02%
2022$3,600 · 0.02%
Same employer
Similar plansFinance & Insurance · Minnesota
Longevity Holdings Inc MN$27.9M · 0.02%
Northland Securities, Inc. MN$27.8M · 0.44%
Midcountry Bank MN$26.9M · 0.31%
Osp, LLC MN$25.7M · 0.13%
Luminate Home Loans, Inc. MN$25.2M · 0.50%

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Source: U.S. Department of Labor, Form 5500 series, EIN 411410768 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.