Plan Ledger DOL Form 5500 · updated monthly

Trustees of the College of the Holy Cross403(b)

COLLEGE OF THE HOLY CROSS 403(B) DEFINED CONTRIBUTION & GROUP SUPPLEMENTAL RETIREMENT PLAN · WORCESTER, MA · plan year 2025

Reported admin expense ratio · 2025
0.05%

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

Trustees of the College of the Holy Cross reported $210,446 in plan administrative expenses for 2025: 0.05% of average plan assets, below the peer median. Employer contributions averaged $8,159 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 rose from 0.02% to 0.05%. The plan sits in the $250M–$1B size bracket, benchmarked here against 230 comparable plans and shown alongside other educational services employers. By assets it is the 131st-largest of 2,726 plans among Massachusetts employers on file, and the 126th of 3,091 in educational services. In 2025, employees put in $1.01 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$447,970,799
Participants with balances2,152
Active participants982
Employer contributions$8,012,025
Employee contributions$8,109,608
Employer contribution per active participant$8,159
Average account balance$208,165
Benefits paid to participants$31,345,403
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$448.0M · 2,152 accts · $8.0M emplr
2024$401.8M · 2,079 accts · $7.4M emplr
2023$365.8M · 2,022 accts · $6.8M emplr
2022$334.1M · 2,183 accts · $6.3M emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$104,393
Investment management$97,825
Total administrative$210,446
Employer contributions to the Trustees of the College of the Holy Cross plan · 2025
Employer contribution per active participant$8,159
Median for plans this size$4,295
2025$8,159 per active participant
2024$7,787 per active participant
2023$7,333 per active participant
2022$6,536 per active participant

Trustees of the College of the Holy Cross's 2025 employer contribution ran above the $4,295 median for plans its size, placing it in the top 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 · 20254
FIDELITY INV INS OPS CO, INC. · Loan processing$104,393
FIDUCIENT ADVISORS LLC · Investment management$50,000
HARVARD SQUARE FINANCIAL PLANNING L · Consulting · Investment advisory (participants)$47,825
VERRILL · Legal$8,228

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

Recordkeeper by year2
2024TIAA
2023TIAA

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

Administrative cost history4
2025$210,446 · 0.05%
2024$178,236 · 0.05%
2023$155,485 · 0.04%
2022$61,776 · 0.02%
Same employer
Similar plansEducational Services · Massachusetts
Smith College MA$628.7M · 0.03%
Suffolk University MA$531.2M · 0.07%
Babson College MA$525.6M · 0.03%
Bentley University MA$500.5M · 0.06%
Clark University MA$377.6M · 0.06%
Wgbh Educational Foundation MA$361.3M · 0.09%

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Source: U.S. Department of Labor, Form 5500 series, EIN 042103558 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.