Plan Snapshot
- Plan Sponsor: Kratzenberg & Associates, INC.Dba Keystone Collections Group
- Sponsor EIN: 251780727
- Sponsor Address: 546 WENDEL ROAD, IRWIN, PA, 15642
- Plan Type: 401(k)
- Total Participants: 202
- Total Assets: $9.4M
Key Plan Design Features
- Auto-Enrollment: Yes
- Auto-Escalation: No
- Allows Roth Contributions: No
- Participant Loans: No
- Participant-Directed Investments: Yes
- ERISA Section 404(c) Fiduciary Safe Harbor: Yes
Plan Financials by Year
| Year | Participants | Total Assets | Employer Contrib. | Employee Contrib. |
|---|---|---|---|---|
| 2024 | 202 | $9.4M | $292,948 | $618,344 |
| 2023 | 189 | $8.0M | $274,482 | $546,237 |
| 2022 | 186 | $6.7M | $265,216 | $529,281 |
Service Providers (Schedule C)
Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).
| Provider Name | Role | Direct Compensation | Indirect Compensation | Total Fees |
|---|---|---|---|---|
| FRAGASSO ADVISORS | Investment Advisor | $29,345 | — | $29,345 |
| EMPOWER ANNUITY INSURANCE COMPANY O | Recordkeeper | $25,089 | — | $25,089 |
| M2B RETIREMENT CONSULTING | Other Service Provider | $5,643 | — | $5,643 |
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $60,077
- Estimated Expense Ratio: 0.640% of plan assets
Historical Administrative Expenses
Breakdown of administrative expense categories reported on Form 5500 filings.
| Year | Total Admin Expenses | Investment Mgmt Fees | Contract Admin Fees | IQPA Audit Fees | Professional Fees |
|---|---|---|---|---|---|
| 2024 | $60,076 | — | $60,076 | — | — |
| 2023 | $57,338 | — | $57,338 | — | — |
| 2022 | $46,625 | — | — | — | $46,625 |