Plan Ledger DOL Form 5500 · updated monthly

Union of Concerned Scientists, Inc.403(b)

UNION OF CONCERNED SCIENTISTS, INC. 403B PLAN · CAMBRIDGE, MA · plan year 2025

Reported admin expense ratio · 2025
0.08%

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

Union of Concerned Scientists, Inc. reported $55,021 in plan administrative expenses for 2025: 0.08% of average plan assets, below the peer median. Employer contributions averaged $8,511 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 0.01% to 0.08%. The plan sits in the $50M–$250M size bracket, benchmarked here against 605 comparable plans and shown alongside other professional & technical services employers. By assets it is the 510th-largest of 2,726 plans among Massachusetts employers on file, and the 1,902nd of 11,654 in professional & technical services. In 2025, employees put in $1.16 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$76,540,540
Participants with balances480
Active participants230
Employer contributions$1,957,539
Employee contributions$2,273,517
Employer contribution per active participant$8,511
Average account balance$159,459
Benefits paid to participants$6,721,030
Plan auditDisclaimer of opinion
Plan history4
Yearassets · accounts · employer contribution
2025$76.5M · 480 accts · $2.0M emplr
2024$67.8M · 485 accts · $1.7M emplr
2023$57.9M · 441 accts · $1.6M emplr
2022$48.5M · 419 accts · $1.6M emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$55,021
Total administrative$55,021
Employer contributions to the Union of Concerned Scientists, Inc. plan · 2025
Employer contribution per active participant$8,511
Median for plans this size$4,093
2025$8,511 per active participant
2024$7,736 per active participant
2023$7,135 per active participant
2022$7,548 per active participant

Union of Concerned Scientists, Inc.'s 2025 employer contribution ran above the $4,093 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
HUB INTERNATIONAL, MID-ATLANTIC$25,000
GLOBAL RETIREMENT PARTNERS · Loan processing$25,000
FIDELITY INVESTMENTS INSTITUTIONAL · Loan processing$4,871
TIAA · Loan processing$525

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$55,021 · 0.08%
2024$54,725 · 0.09%
2023$4,542 · 0.01%
2022$4,308 · 0.01%
Same employer
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Source: U.S. Department of Labor, Form 5500 series, EIN 042535767 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.