Plan Ledger DOL Form 5500 · updated monthly

The Csm Group, Inc.401(k)

THE CSM GROUP, INC. SAVINGS PLAN · KALAMAZOO, MI · plan year 2025

Reported admin expense ratio · 2025
0.22%

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

The Csm Group, Inc. reported $51,583 in plan administrative expenses for 2025: 0.22% of average plan assets, below the peer median. Employer contributions averaged $2,922 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 0.24% to 0.22%. The plan sits in the $10M–$50M size bracket, benchmarked here against 1,620 comparable plans and shown alongside other construction employers. By assets it is the 877th-largest of 2,619 plans among Michigan employers on file, and the 1,721st of 5,337 in construction. In 2025, employees put in $3.48 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$25,313,258
Participants with balances222
Active participants154
Employer contributions$449,925
Employee contributions$1,564,027
Employer contribution per active participant$2,922
Average account balance$114,024
Benefits paid to participants$1,949,835
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$25.3M · 222 accts · $450K emplr
2024$21.7M · 228 accts · $481K emplr
2023$19.3M · 246 accts · $446K emplr
2022$15.4M · 239 accts · $433K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$3,356
Investment management$48,227
Total administrative$51,583
The The Csm Group, Inc. 401(k) match · 2025
Employer contribution per active participant$2,922
Median for plans this size$2,666
2025$2,922 per active participant
2024$2,967 per active participant
2023$2,654 per active participant
2022$2,989 per active participant

The Csm Group, Inc.'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.

Administrative cost history4
2025$51,583 · 0.22%
2024$62,968 · 0.31%
2023$47,801 · 0.28%
2022$38,810 · 0.24%
Same employer
Similar plansConstruction · Michigan
Champion, Inc. MI$26.9M · 0.47%
Mps Group, Inc. MI$25.6M · 0.54%
Central Asphalt, Inc. MI$24.3M · 0.05%
Windemuller Electric Inc. MI$23.9M · 0.27%
Goyette Mechanical Co. MI$23.6M · 0.05%

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Source: U.S. Department of Labor, Form 5500 series, EIN 382472025 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.