Retirement plan

HARDWARE DISTRIBUTORS, LTD. 401(K) RETIREMENT SAVINGS PLAN

Name: HARDWARE DISTRIBUTORS LTD. - HARDWARE DISTRIBUTORS, LTD. 401(K) RETIREMENT SAVINGS PLAN (2025) Form 5500
Creator: HARDWARE DISTRIBUTORS LTD.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, HARDWARE DISTRIBUTORS, LTD. 401(K) RETIREMENT SAVINGS PLAN, HARDWARE DISTRIBUTORS LTD.

HARDWARE DISTRIBUTORS LTD.EIN 41-1505651Plan #001PY 2025

5 INDUSTRIAL BLVD. - SAUK RAPIDS, MN 56379320-255-9850

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$13.9M

+18.4% from 2024

Total participants

103

-3.7% from 2024

Average account balance

$136,599

+21.9% from 2024

Annual return

18.27%

+3.80 pp from 2024

Benchmarks

See 3,711 peers

Peer group

Industry42 - Wholesale Trade

Plan typeDefined contribution

Participants25-99

Cohort3,711 peers

Snapshot2025

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$13.93M

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$137K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

102

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

112.1%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$683K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$8K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+18.27%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$6336

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

0 years with F_SCH_H allocation on file

Free accounts unlock saves, downloads, and 3-year history.

Service providers

Providers data not reported

Schedule C was not filed on this plan's most recent Form 5500, so no compensated service providers are available to display.

Plan features & details

Pension benefit codes2E2F2G2J2T3D

Plan features

2E
Profit-sharing
Profit-sharing plan.
2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2T
Default investment account
Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.

Opportunity flags

1 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)

Expense breakdown

Schedule H Part II

Admin total

$646K

$7102 / participant

Other / not subdivided$646K100.0%

% of EOY assets

4.638%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

No opinion code on file for this filing.

Auditor firm: (not reported)
Auditor EIN: -
Audit fees: (not subdivided)
Opinion code: -

Metric

This plan

Peer set

Industry

Size

Avg account balance

$136,599

$114,712+19.1%

$173,730-21.4%

$87,485+56.1%

Participation rate

98.9%

73.0%+25.9pp

79.6%+19.3pp

68.9%+30.0pp

Annual return

18.27%

20.18%-1.9pp

19.96%-1.7pp

26.06%-7.8pp

Employer contribution / active EE

$2,294

$2,904-21.0%

$4,577-49.9%

$2,596-11.6%

Participant deferral / active EE

$5,208

$4,642+12.2%

$6,326-17.7%

$4,274+21.9%

Admin fee / account holder

$6,336

$10,210-37.9%

$17,523-63.8%

$7,775-18.5%

HARDWARE DISTRIBUTORS, LTD. 401(K) RETIREMENT SAVINGS PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

HARDWARE DISTRIBUTORS, LTD. 401(K) RETIREMENT SAVINGS PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion