Plan Ledger DOL Form 5500 · updated monthly

Woodsville Guaranty Savings Bank401(k)

WOODSVILLE GUARANTY SAVINGS BANK 401(K) SAVINGS PLAN · LITTLETON, NH · plan year 2024

Reported admin expense ratio · 2024
0.03%

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

Woodsville Guaranty Savings Bank reported $4,426 in plan administrative expenses for 2024: 0.03% of average plan assets, lower than ~75% of peers. Employer contributions averaged $2,716 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 0.02% to 0.03%. The plan sits in the $10M–$50M size bracket, benchmarked here against 27,838 comparable plans and shown alongside other finance & insurance employers. By assets it is the 205th-largest of 411 plans among New Hampshire employers on file, and 3,442nd of 4,798 in finance & insurance. In 2024, employees put in $1.78 for every $1.00 the employer contributed; active participation has shrunk from 124 to 104 since 2022.

Plan summary
Net assets, end of year$15,663,252
Participants with balances126
Active participants104
Employer contributions$282,476
Employee contributions$503,174
Employer contribution per active participant$2,716
Average account balance$124,312
Benefits paid to participants$884,071
AuditorA.M. PEISCH & COMPANY, LLP
Plan history3
Yearassets · accounts · employer contribution
2024$15.7M · 126 accts · $282K emplr
2023$13.9M · 144 accts · $170K emplr
2022$12.5M · 137 accts · $416K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$4,426
Total administrative$4,426
The Woodsville Guaranty Savings Bank 401(k) match · 2024
Employer contribution per active participant$2,716
Median for plans this size$2,416
2024$2,716 per active participant
2023$1,426 per active participant
2022$3,354 per active participant

Woodsville Guaranty Savings Bank'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 · 20243
JOHN HANCOCK LIFE INSURANCE COMPANY · Recordkeeping · Investment management$626
WILSHIRE ASSOCIATES INC · Insurance broker · Investment advisory (participants)indirect comp
THIRD PARTY ADMINISTRATORS, INC. · Loan processing · Other servicesindirect comp

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

Recordkeeper by year2
2024John Hancock
2023John Hancock

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

Administrative cost history3
2024$4,426 · 0.03%
2023$3,338 · 0.03%
2022$2,915 · 0.02%
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Harborone Mortgage LLC NH$20.6M · 0.34%
Davis & Towle Group, Inc. NH$18.8M · 0.35%
Claremont Savings Bank NH$17.1M · 0.53%
Alumni Ventures, LLC NH$15.4M · 0.17%
Granite State Credit Union NH$14.0M · 0.33%
Franklin Savings Bank NH$11.3M · 0.03%
Triangle Credit Union NH$5.8M · 0.54%

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Source: U.S. Department of Labor, Form 5500 series, EIN 020205780 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.