Plan Ledger DOL Form 5500 · updated monthly

Verbal Beginnings LLC401(k)

VERBAL BEGINNINGS, LLC 401(K) PLAN · COLUMBIA, MD · plan year 2025

Reported admin expense ratio · 2025
1.37%

Verbal Beginnings LLC reported $65,601 in plan administrative expenses for 2025: 1.37% of average plan assets, higher than ~90% of peers. 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 0.40% to 1.37%. The plan sits in the $1M–$10M size bracket, benchmarked here against 809 comparable plans and shown alongside other health care & social assistance employers. By assets it is among the smaller plans on file in Maryland (1,242nd of 1,671), and 7,574th of 11,911 in health care & social assistance.

Plan summary
Net assets, end of year$5,617,127
Participants with balances587
Active participants536
Employer contributions—
Employee contributions$1,503,114
Employer contribution per active participant—
Average account balance$9,569
Benefits paid to participants$540,346
Plan auditUnmodified (clean) audit opinion
AuditorPB MARES, LLP
Plan history4
Yearassets · accounts · employer contribution
2025$5.6M · 587 accts
2024$3.9M · 481 accts · $17K emplr
2023$2.8M · 438 accts · $10K emplr
2022$1.8M · 351 accts
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$65,601
Total administrative$65,601
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 · 20253
PRINCIPAL LIFE INSURANCE COMPANY · Contract administrator$65,600
UBS FINANCIAL SERVICES INC · Investment advisory (plan)indirect comp
MORNINGSTAR INVESTMENT MANAGEMENT L · Investment advisory (participants)indirect comp

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$65,601 · 1.37%
2024$51,612 · 1.54%
2023$24,306 · 1.07%
2022$6,350 · 0.40%
Same employer
Similar plansHealth Care & Social Assistance · Maryland
Wholistic Management Inc MD$5.8M · 1.06%
Community Living, Inc MD$5.8M · 0.09%
Weachieve Inc. MD$5.7M · 0.01%

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Source: U.S. Department of Labor, Form 5500 series, EIN 452653391 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.