Plan Ledger DOL Form 5500 · updated monthly

Woodruff Construction, Inc.ESOP

WOODRUFF CONSTRUCTION EMPLOYEE STOCK OWNERSHIP PLAN · FORT DODGE, IA · plan year 2025

Reported admin expense ratio · 2025
0.01%

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

Woodruff Construction, Inc. reported $800 in plan administrative expenses for 2025: 0.01% of average plan assets, lower than ~75% of peers. Employer contributions averaged $2,974 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 1 year on file its reported administrative ratio fell from 0.02% to 0.01%. The plan sits in the $10M–$50M size bracket, benchmarked here against 1,620 comparable plans and shown alongside other construction employers. By assets it is among the smaller plans on file in Iowa (524th of 878), and the 2,655th of 5,337 in construction. active participation has grown from 114 to 160 since 2022.

Plan summary
Net assets, end of year$13,309,448
Participants with balances175
Active participants160
Employer contributions$475,805
Employee contributions—
Employer contribution per active participant$2,974
Average account balance$76,054
Benefits paid to participants$79,944
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$13.3M · 175 accts · $476K emplr
2024$10.4M · 156 accts · $439K emplr
2023$2.5M · 112 accts · $260K emplr
2022$-2.5M · 135 accts · $243K emplr
Employer contributions to the Woodruff Construction, Inc. plan · 2025
Employer contribution per active participant$2,974
Median for plans this size$2,666
2025$2,974 per active participant
2024$2,928 per active participant
2023$2,676 per active participant
2022$2,128 per active participant

Woodruff Construction, Inc.'s 2025 employer contribution ran above the $2,666 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 2025 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Administrative cost history4
2025$800 · 0.01%
2024$1,020 · 0.02%
2023Not separately reported
2022Not separately reported
All plans at this employer2
WOODRUFF CONSTRUCTION EMPLOYEES PROFIT SHARING 401(K) PLAN & TRUST401(k)
WOODRUFF CONSTRUCTION EMPLOYEE STOCK OWNERSHIP PLANESOP
Same employer
Similar plansConstruction · Iowa
Jensen Builders LTD. IA$13.6M · 0.33%
Cw Suter & Son, Inc. IA$13.5M · 0.41%
D. C. Taylor Co. IA$12.5M · 0.19%
Modern Companies, Inc. IA$12.5M · 1.12%

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Source: U.S. Department of Labor, Form 5500 series, EIN 760721180 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.