Plan Ledger DOL Form 5500 · updated monthly

The Arc - Ocean County Chapter401(k)

THE ARC, OCEAN COUNTY CHAPTER, INC. RETIREMENT SAVINGS PLAN · LAKEWOOD, NJ · plan year 2025

Reported admin expense ratio · 2025
0.23%

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

The Arc - Ocean County Chapter reported $35,341 in plan administrative expenses for 2025: 0.23% of average plan assets, below the peer median. Employer contributions averaged $1,946 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 0.29% to 0.23%. The plan sits in the $10M–$50M size bracket, benchmarked here against 1,620 comparable plans and shown alongside other other services employers. By assets it is the 1,174th-largest of 2,419 plans among New Jersey employers on file, and the 1,209th of 3,341 in other services. In 2025, employees put in $1.04 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$16,530,183
Participants with balances500
Active participants470
Employer contributions$914,485
Employee contributions$955,327
Employer contribution per active participant$1,946
Average account balance$33,060
Benefits paid to participants$1,464,515
Plan auditUnmodified (clean) audit opinion
AuditorHOLMAN FRENIA ALLISON, P.C.
Plan history4
Yearassets · accounts · employer contribution
2025$16.5M · 500 accts · $914K emplr
2024$14.1M · 476 accts · $864K emplr
2023$12.3M · 489 accts · $745K emplr
2022$10.2M · 469 accts · $785K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$35,341
Total administrative$35,341
The The Arc - Ocean County Chapter 401(k) match · 2025
Employer contribution per active participant$1,946
Median for plans this size$2,666
2025$1,946 per active participant
2024$1,883 per active participant
2023$1,599 per active participant
2022$1,800 per active participant

The Arc - Ocean County Chapter's 2025 employer contribution ran below 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.

Service providers · 20253
PRINCIPAL LIFE INSURANCE COMPANY · Contract administrator · Loan processing$35,341
MORNINGSTAR INVESTMENT MANAGEMENT L · Investment advisory (participants)indirect 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$35,341 · 0.23%
2024$34,264 · 0.26%
2023$29,753 · 0.26%
2022$32,152 · 0.29%
Same employer
Similar plansOther Services · New Jersey
Tkl Research Inc. NJ$18.2M · 0.40%
McCann Systems LLC NJ$14.2M · 0.01%
Raymond of New Jersey LLC NJ$12.2M · 0.52%

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Source: U.S. Department of Labor, Form 5500 series, EIN 210723435 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.