Pennsylvania › Construction › 1,000 to 4,999 participants
Form 5500 statement · plan year 1 Jan 2025 to 31 Dec 2025
The Kinsley 401(k) Plan
Sponsored by Kinsley Enterprises, Inc., Seven Valleys, PA
Form 5500 information is as filed by the plan administrator with the Department of Labor and may be amended. Figures reflect the plan year shown, not current balances. Form 5500 contains no individual account balances. Look up the original filing at EFAST2.
Kinsley Enterprises, Inc. of Seven Valleys, Pennsylvania sponsors The Kinsley 401(k) Plan, a 401(k) plan. Its Form 5500 for the plan year ending 31 Dec 2025 shows 4,085 participants (3,664 active) and $251M in net assets. It is a multiple-employer plan covering the employees of more than one employer.
Net assets came to $49,837 per participant in plan year 2024, close to the $50,295 median for defined contribution plans with 1,000 to 4,999 participants and below the $54,962 median for defined contribution plans in construction. The figure is an average across everyone in the plan, including former employees with small balances; Form 5500 holds no individual account data.
The employer contributed $6.8M during the year, or $1,851 per active participant against a same-size median of $2,045; participants contributed $13.3M and $4.0M arrived as rollovers and other contributions. Benefits paid out totalled $24.3M.
Schedule C lists 4 service provider organisations paid $5,000 or more, with reported compensation of $413K: $101 per participant, close to the same-size median of $82.08. Administrative expenses charged to the plan were $413K. Schedule C does not capture every cost: fees netted from fund returns and fees the employer pays directly are outside it.
Across the filings on record, net assets went from $43.9M in 2009 to $251M in 2025 (up 471%), and participants from 2,089 to 4,085 (up 96%).
The independent accountant's opinion on the financial statements was unmodified (unqualified), from an audit whose scope was limited under ERISA section 103(a)(3)(C) to exclude investment information certified by a bank or insurer.
Compared with similar plans
| Measure, plan year 2024 | This plan | Same size | Same industry | All US DC plans |
|---|---|---|---|---|
| Net assets per participant | $49,837 | $50,295 | $54,962 | $53,102 |
| Employer contributions per active participant | $1,657 | $2,045 | $2,728 | $2,175 |
| Schedule C compensation per participant | $85.80 | $82.08 | $162 | $123 |
| Schedule C compensation, share of net assets | 0.17% | 0.17% | 0.33% | 0.26% |
| Administrative expenses per participant | $85.80 | $82.20 | $166 | $116 |
Peer columns are medians for plan year 2024 across defined contribution plans with 100 or more participants: 1,000 to 4,999 participants (10,207 plans), construction (4,204) and all US plans (63,460). Fee medians cover plans that report an amount.
Trend by plan year
| Plan year | Participants | Net assets | Per participant | Employer contributions | Participant contributions | Schedule C compensation |
|---|---|---|---|---|---|---|
| 2025 | 4,085 | $251M | $61,375 | $6.8M | $13.3M | $413K |
| 2024 | 4,377 | $218M | $49,837 | $6.5M | $12.7M | $376K |
| 2023 | 4,146 | $197M | $47,561 | $6.0M | $11.7M | $311K |
| 2022 | 3,849 | $167M | $43,266 | $5.7M | $10.5M | $347K |
| 2021 | 3,213 | $192M | $59,615 | $5.4M | $9.9M | $393K |
| 2020 | 3,168 | $172M | $54,185 | $4.7M | $8.8M | $298K |
| 2019 | 2,938 | $154M | $52,268 | $4.4M | $8.2M | $368K |
| 2018 | 2,677 | $119M | $44,552 | $3.9M | $7.2M | $300K |
| 2017 | 2,488 | $120M | $48,098 | $3.6M | $6.1M | $229K |
| 2016 | 2,404 | $98.5M | $40,965 | $3.0M | $5.4M | $187K |
| 2015 | 2,318 | $88.6M | $38,225 | $2.8M | $4.9M | $190K |
| 2014 | 2,105 | $86.2M | $40,948 | $2.4M | $4.2M | $129K |
| 2013 | 2,005 | $80.0M | $39,919 | $2.4M | $4.1M | $94K |
| 2012 | 1,878 | $62.7M | $33,385 | $2.2M | $3.7M | $73K |
| 2011 | 1,956 | $54.6M | $27,921 | $2.1M | $3.6M | $30K |
| 2010 | 1,945 | $52.0M | $26,759 | $2.2M | $3.6M | $13K |
| 2009 | 2,089 | $43.9M | $21,009 | $2.1M | $3.5M | $37K |
Years in which the plan filed the full Form 5500 with 100 or more participants, from 2009. Plan year is the year in which the plan year began. Earlier years filed under the plan's previous EIN or plan number are included.
Statement for the year
- Net assets, beginning of year$218,135,507
- Employer contributions$6,781,995
- Participant contributions$13,320,745
- Rollovers and other contributions$3,956,736
- Total contributions$24,059,476
- Total income, including investment results$57,301,149
- Benefits paid$24,305,685
- Administrative expenses$413,319
- Total expenses$24,721,165
- Net income$32,579,984
- Net transfers$0
- Net assets, end of year$250,715,491
Participants
- Active participants3,664
- Retired or separated, receiving benefits8
- Retired or separated, entitled to future benefits400
- Participants with account balances2,258
- Total participants, end of year4,085
Fees and service providers
| Organisation | Services reported | Direct | Indirect |
|---|---|---|---|
| Vicus Capital | Investment advisory (plan) | $228,743 | $0 |
| Transamerica Retirement Solutions | Claims processing; Recordkeeping and information management; Investment management; Participant loan processing; Participant communication | $169,556 | $0 |
| Emc CPAS, LLC | Accounting (including auditing) | $15,020 | $0 |
| National Financial Services | Securities brokerage | $0 | $0 |
Schedule C, Part I line 2: providers that received $5,000 or more, with the form's own service codes. Individuals named on Schedule C (plan employees, individual trustees) are never shown and their compensation is excluded. Eligible indirect compensation disclosed by formula carries no dollar amount. See how to read Schedule C fees.
Administrative expenses on Schedule H
- Investment advisory and management fees$228,743
- Recordkeeping fees$169,556
- IQPA audit fees$15,020
- Total administrative expenses$413,319
Investment structure
Assets at year end by Schedule H category. The form shows the kind of vehicle holding the money, not the funds on the menu.
- Registered investment companies (mutual funds)$242M · 96.4%
- Insurance company general account$8.6M · 3.4%
- Participant loans$347K · 0.1%
- Receivables$21K · 0.0%
Audit and compliance answers, as filed
- Accountant's opinionUnmodified (unqualified)
- Audit scope limited under ERISA section 103(a)(3)(C)Yes
- Accounting firmEmc CPAS, LLC
- Participant contributions reported as transmitted lateYes, $34,216
- Covered by a fidelity bondYes, $3,000,000
- Blackout period during the yearNo
These are the plan administrator's own answers on Schedule H, Part IV. A reported late transmittal is the filer's disclosure of a timing lapse, usually corrected through the Department of Labor's voluntary program; the amount is the total involved, not a loss.
Plan characteristics
2FERISA section 404(c) plan2GTotal participant-directed account plan2JCode section 401(k) feature2KCode section 401(m) arrangement2TTotal or partial participant-directed account plan with a default investment account2XMultiple-employer defined contribution pension plan not under codes 2U, 2V or 2W3HPlan sponsor(s) is (are) a member(s) of a controlled group
Codes entered on Form 5500 line 8a, with the labels from the official instructions. Business code 236200: Nonresidential Building Construction.
Similar plans in Pennsylvania
| Plan | Sponsor | Participants | Net assets | Per participant |
|---|---|---|---|---|
| PHRG Management LLC 401(k) Savings Plan | PHRG Management LLC | 4,192 | $158M | $37,643 |
| Penn Line Enterprises, Inc. Employee Stock Ownership and Savings Plan | Penn Line Enterprises, Inc. | 3,607 | $190M | $52,705 |
| International Brotherhood of Electrical Workers Local Union 98 - Profit Sharing Plan | Local Union 98 I.B.E.W. - Trustees Profit Sharing Plan | 4,631 | $1.26B | $271,774 |
| Western Pennsylvania Electrical Employees Deferred Compensation Plan | Joint Board of Trustees, IBEW Local Union No 5 & Western PA Chapter NE | 3,525 | $564M | $159,992 |
| Steamfitters Local 449 Retirement Security Fund | Board of Trustees, Steamfitters Local #449 Retirement Security Fund | 4,857 | $402M | $82,844 |
| West Shore Home, LLC 401(k) Plan | West Shore Home, LLC | 3,049 | $62.2M | $20,413 |
Defined contribution plans in construction closest in size.
Questions and answers
How big is The Kinsley 401(k) Plan?
4,085 participants at the end of the plan year ending 31 Dec 2025, of whom 3,664 were active employees, with net assets of $250,715,491. Among defined contribution plans that places it in the 1,000 to 4,999 participants band, which held 10,207 plans in plan year 2024.
What does Kinsley Enterprises, Inc. contribute per participant?
The filing reports $6,781,995 in employer contributions for the year, which is $1,851 per active participant; the median for plans of the same type and size was $2,045 in plan year 2024. Form 5500 reports the total only. It does not state the match formula, and the per-participant figure is an average, not any one person's contribution.
What fees does the plan pay and how do they compare?
Schedule C reports $413,319 in compensation to service provider organisations, $101 per participant or 0.17% of net assets. The same-size median among plans reporting any Schedule C compensation was $82.08 per participant. Administrative expenses on Schedule H were $413,319. Investment costs deducted inside mutual funds and other pooled vehicles are not itemised on Form 5500, so these figures are a floor rather than a full cost.
Who runs the plan?
The sponsor is Kinsley Enterprises, Inc.. Recordkeeping or administration: Transamerica Retirement Solutions. Investment advisory or management: Vicus Capital and Transamerica Retirement Solutions. The financial statements were audited by Emc CPAS, LLC. Form 5500 also names the plan administrator's signer and other individuals; this site publishes organisations only.
Was the audit opinion unqualified?
The filing reports an unmodified (unqualified) opinion from a limited-scope audit, in which the accountant did not audit investment information certified by a bank or insurance company. Unmodified (formerly "unqualified") is the standard clean opinion.
How current is this, and does it show my balance?
This is the Form 5500 for the plan year 1 Jan 2025 to 31 Dec 2025, received by the Department of Labor on 29 Jul 2026. Filings are due seven months after the plan year ends, or nine and a half with an extension, so the public record always runs a year or more behind. It contains plan-level totals only: no individual balances, contributions or names of participants exist in the data.
Provenance
Source: U.S. Department of Labor, Employee Benefits Security Administration, Form 5500 research files (Form 5500, Schedule H, Schedule C) for plan years 2009 to 2025, public domain, with filings received through 24 Aug 2026. This page shows the latest filing on record for EIN 35-2615344, plan 002, received 29 Jul 2026; an amended filing replaces it at the next build. Medians and percentiles are computed by this site; see the methodology. Report an error through corrections.