Plan Ledger DOL Form 5500 · updated monthly

Trustees of the St. Johnsbury Academy403(b)

ST. JOHNSBURY ACADEMY 403(B) RETIREMENT PLAN · SAINT JOHNSBURY, VT · plan year 2024

Reported admin expense ratio · 2024
0.14%

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

Trustees of the St. Johnsbury Academy reported $56,694 in plan administrative expenses for 2024: 0.14% of average plan assets, below the peer median. Employer contributions averaged $3,170 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 0.06% to 0.14%. The plan sits in the $10M–$50M size bracket, benchmarked here against 27,838 comparable plans and shown alongside other educational services employers. By assets it is the 45th-largest of 230 plans among Vermont employers on file, and the 1,050th of 3,091 in educational services. In 2024, employees put in $1.66 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$41,500,680
Participants with balances402
Active participants224
Employer contributions$710,142
Employee contributions$1,178,588
Employer contribution per active participant$3,170
Average account balance$103,236
Benefits paid to participants$2,571,745
Plan auditDisclaimer of opinion
Plan history3
Yearassets · accounts · employer contribution
2024$41.5M · 402 accts · $710K emplr
2023$37.0M · 404 accts · $645K emplr
2022$31.3M · 392 accts · $640K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$44,479
Investment management$7,050
Audit (IQPA)$5,165
Total administrative$56,694
Employer contributions to the Trustees of the St. Johnsbury Academy plan · 2024
Employer contribution per active participant$3,170
Median for plans this size$2,416
2024$3,170 per active participant
2023$2,816 per active participant
2022$2,884 per active participant

Trustees of the St. Johnsbury Academy's 2024 employer contribution ran above the $2,416 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 · 20244
ONEDIGITAL INVESTMENT ADVISORS · Contract administrator · Investment advisory (plan)$17,050
J.L. KREISCHER, PC ET AL PTRS · Accounting / audit$5,165

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

Administrative cost history3
2024$56,694 · 0.14%
2023$26,738 · 0.08%
2022$21,113 · 0.06%
Same employer
Similar plansEducational Services · Vermont
World Learning, Inc. VT$96.3M · 0.12%
Vermont Law School VT$45.8M · 0.03%
Landmark College, Inc. VT$44.6M · 0.11%
The Putney School VT$21.2M · 0.12%
Vermont Academy VT$18.8M · 0.01%

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Source: U.S. Department of Labor, Form 5500 series, EIN 030181215 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.