Plan Ledger DOL Form 5500 · updated monthly

The Arbor Experts, LLC401(k)

THE ARBOR EXPERTS 401(K) PLAN · WEBSTER, TX · plan year 2025

Reported admin expense ratio · 2025
1.56%

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

The Arbor Experts, LLC reported $55,442 in plan administrative expenses for 2025: 1.56% of average plan assets, higher than ~90% of peers. Employer contributions averaged $536 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 2.16% to 1.56%. The plan sits in the $1M–$10M size bracket, benchmarked here against 809 comparable plans and shown alongside other administrative & support services employers. By assets it is among the smaller plans on file in Texas (4,313th of 5,688), and 1,591st of 2,534 in administrative & support services. In 2025, employees put in $5.08 for every $1.00 the employer contributed; active participation has grown from 233 to 261 since 2022.

Plan summary
Net assets, end of year$3,973,649
Participants with balances300
Active participants261
Employer contributions$139,941
Employee contributions$711,282
Employer contribution per active participant$536
Average account balance$13,245
Benefits paid to participants$534,390
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$4.0M · 300 accts · $140K emplr
2024$3.1M · 326 accts · $188K emplr
2023$2.3M · 348 accts · $171K emplr
2022$1.4M · 302 accts · $62K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$55,442
Total administrative$55,442
The The Arbor Experts, LLC 401(k) match · 2025
Employer contribution per active participant$536
Median for plans this size$1,464
2025$536 per active participant
2024$759 per active participant
2023$665 per active participant
2022$264 per active participant

The Arbor Experts, LLC's 2025 employer contribution ran below the $1,464 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
JOHN HANCOCK LIFE INSURANCE COMPANY · Recordkeeping · Investment management$50,876

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

Recordkeeper by year3
2025John Hancock
2024John Hancock
2023John Hancock

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

Administrative cost history4
2025$55,442 · 1.56%
2024$52,564 · 1.95%
2023$36,594 · 2.03%
2022$26,572 · 2.16%
Similar plansAdministrative & Support Services · Texas
Conexus Medstaff, LLC TX$4.3M · 1.26%
Betts Recruiting Inc TX$4.3M · 0.19%
Vanguard Resources TX$3.8M · 0.99%

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Source: U.S. Department of Labor, Form 5500 series, EIN 471775914 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.