Plan Ledger DOL Form 5500 · updated monthly

Tioga Opportunities, Inc.401(k)

403(B) THRIFT PLAN FOR EMPLOYEES OF TIOGA OPPORTUNITIES, INC. · OWEGO, NY · plan year 2024

Reported admin expense ratio · 2024
0.04%

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

Tioga Opportunities, Inc. reported $1,955 in plan administrative expenses for 2024: 0.04% of average plan assets, lower than ~75% of peers. Employer contributions averaged $1,297 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 2 years on file its reported administrative ratio rose from 0.03% to 0.04%. The plan sits in the $1M–$10M size bracket, benchmarked here against 18,840 comparable plans and shown alongside other health care & social assistance employers. By assets it is among the smaller plans on file in New York (4,433rd of 5,648), and 7,786th of 11,911 in health care & social assistance. In 2024, employees put in $1.76 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$5,212,967
Participants with balances123
Active participants68
Employer contributions$88,213
Employee contributions$154,828
Employer contribution per active participant$1,297
Average account balance$42,382
Benefits paid to participants$586,546
Plan auditUnmodified (clean) audit opinion
AuditorMENGEL, METZGER, BARR,& CO. LLP
Plan history3
Yearassets · accounts · employer contribution
2024$5.2M · 123 accts · $88K emplr
2023$4.9M · 163 accts · $85K emplr
2022$4.8M · 173 accts · $83K emplr
The Tioga Opportunities, Inc. 401(k) match · 2024
Employer contribution per active participant$1,297
Median for plans this size$1,313
2024$1,297 per active participant
2023$1,232 per active participant
2022$1,255 per active participant

Tioga Opportunities, Inc.'s 2024 employer contribution ran below the $1,313 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 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20241
MUTUAL OF AMERICA INVESTMENT CORP · Claims processing · Recordkeeping$2,250

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

Recordkeeper by year2
2024Mutual of America
2023Mutual of America

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

Administrative cost history3
2024$1,955 · 0.04%
2023$674 · 0.01%
2022$1,592 · 0.03%
Similar plansHealth Care & Social Assistance · New York
Greystone Programs, Inc. NY$5.3M · 1.10%

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Source: U.S. Department of Labor, Form 5500 series, EIN 160907793 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.