Department of Labor filing

F.M. HOWELL & COMPANY

F.M. HOWELL & COMPANY PART III RETIREMENT SAVINGS PLAN 401(K) · For the plan year ended Dec 31, 2024

Public filing 2024 · received Jul 18, 2025Verified current terms Not available

Plan at a glance

How good does the filing look?

There is not enough comparable filing data to judge this plan yet. This is a filing comparison, not a complete benefits score.

$Employer support

$686

Reported employer contributions per active participant.

Higher than about 27% of comparable plans

#People in the filing

187

Active participants reported for 2024.

The filing does not say how many employees are currently contributing.

¢Visible plan-paid fees

Not reported / participant

Reported administrative expense—not every fee an employee may pay.

↗Investment performance

Not available

Plan assets changed 6.3%, but that includes contributions, withdrawals, and market movement.

Asset change is not investment performance.

What we still need to judge the benefit

Current match formula, vesting, eligibility, investment choices, fund expense ratios, and employee-level fees.

See missing terms ↓

Filing comparison · 2024—There is not enough comparable filing data to calculate this yet.

How this filing compares

Reported employer contributions27th percentileTypical peer $1,246 · based on 230 comparable plans

Lower reported administrative expenseNot enough dataTypical peer $171 · based on 243 comparable plans

This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.

The short version

What the latest filing tells us

For the plan year ended Dec 31, 2024, F.M. HOWELL & COMPANY reported $128,310 in employer contributions across the plan and 187 active participants. That works out to $686 per active participant. It is useful context, but it is not the current match formula and it does not show what any one employee received.

Participation proxy72%

Active participants divided by all end-of-year plan participants. This is not the company participation rate because the filing does not report every eligible employee.

Employer money trendUp 26.5%

Change in reported employer contribution per active participant across the filing history shown.

Expense trendNot enough history

Change in reported administrative expense per participant. Investment expenses may not be included.

Peer contextNot enough data

Comparable-plan data is too limited for a score.

Where the public filing stops

Current match, vesting, eligibility, employee fees, and investment choices require a dated plan document. Until we have one, those details stay blank.

Latest financial record

Contributions, assets, and expenses

These figures are reported totals for the plan—not individual account balances or promises to any employee.

Employer contributions: $128,310
Participant contributions: $967,921
Other contributions: $196,647
Employer share of reported contributions: 11.7%
Beginning assets: $23,351,924
Ending assets: $24,816,348
Ending net assets: $24,816,348
Ending liabilities: Not reported
Total income: $4,956,066
Total expenses: $3,491,642
Administrative expenses: Not reported
Participant loans: Not reported

Three-year filing history

How the reported figures changed

Each chart uses its own scale and starts at zero. When the filing has no value, the chart says so rather than turning it into a zero.

Employer contributions reported per active participant

2022

$542

2023

$625

2024

$686

Plan-paid administrative expenses per participant

2022

Not reported

2023

Not reported

2024

Not reported

Active participants

2022

230

2023

205

2024

187

Detailed filing history
Plan year	Per active participant	Active participants	Plan assets	Filing ID
2024	$686	187	24.8M	20250718134506NAL0000944003001
2023	$625	205	23.4M	20241014085232NAL0025761969001
2022	$542	230	20.1M	20231009074342NAL0053184178003

Changes in plan assets are not the same as investment performance. Each row uses the selected public filing for that year.

Plan operations

Details worth knowing

Participant loans as a share of plan assets: Not stated in the filing
Independent accountant’s opinion: Unqualified opinion Code 1
Late participant contributions reported: Not stated in the filing
Public plan identifier: 160488020-005

Reported plan details

Identity and filing status

Plan type: Retirement plan
Employer arrangement: Single-employer plan
Plan effective date: Dec 9, 1992
Industry: Industry group 323
Amended filing: Yes
Final filing for this plan: No
Short plan year: No
401(k) feature reported: Yes
Show DOL characteristic codes
2G2J

Reported service providers

Organizations named in the latest filing

The public dataset does not always identify a provider’s exact role. Compensation stays blank when it was not separately reported.

Provider	Plan year	Direct compensation	Indirect compensation
CHEMUNG CANAL TRUST COMPANY	2024	Not reported	unknown

Current plan terms

Help fill the gap the filing leaves.

If you have a current SPD, fee disclosure, or enrollment guide, you can share it with us. We check the source and date before adding anything to the profile.

Share a document →

Filing ACK_ID20250718134506NAL0000944003001

Data sourceDOL Form 5500 bulk data ↗

Filing searchEFAST2 ↗