Department of Labor filing

GARDEN CITY CO-OP, INC.

UBG 401(K) - GARDEN CITY (SH PLAN) · For the plan year ended Aug 31, 2025

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Public filing 2024 · received Apr 20, 2026Verified current terms Not available

Plan at a glance

How good does the filing look?

43filing comparison
out of 100

The filing looks broadly typical among comparable plans. This is a filing comparison, not a complete benefits score.

$Employer support

$2,029

Reported employer contributions per active participant.

Higher than about 42% of comparable plans

#People in the filing

141

Active participants reported for 2024.

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

¢Visible plan-paid fees

$173 / participant

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

Lower cost than about 44% of comparable plans

↗Investment performance

Not available

Plan assets changed 15.5%, 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 · 202443out of 100 among similar-size plans in the same industry when enough peers exist

How this filing compares

Reported employer contributions42nd percentileTypical peer $2,644 · based on 109 comparable plans

Lower reported administrative expense44th percentileTypical peer $156 · based on 110 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 Aug 31, 2025, GARDEN CITY CO-OP, INC. reported $286,087 in employer contributions across the plan and 141 active participants. That works out to $2,029 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 proxy79%

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 trendDown 1.4%

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

Expense trendUp 21.5%

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

Peer context43/100

A filing comparison among similar-size plans in the same industry when enough peers exist.

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: $286,087
Participant contributions: $372,252
Other contributions: $36,777
Employer share of reported contributions: 43.5%
Beginning assets: $9,593,014
Ending assets: $11,084,116
Ending net assets: $11,084,116
Ending liabilities: $0
Total income: $1,910,829
Total expenses: $419,727
Administrative expenses: $30,476
Participant loans: $226,573

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

$2,057

2023

$2,032

2024

$2,029

Plan-paid administrative expenses per participant

2022

$142

2023

$156

2024

$173

Active participants

2022

134

2023

137

2024

141

Detailed filing history
Plan year	Per active participant	Active participants	Plan assets	Filing ID
2024	$2,029	141	11.1M	20260420154832NAL0000828051001
2023	$2,032	137	9.6M	20250603200633NAL0010923937001
2022	$2,057	134	8.3M	20240613144744NAL0054544976001

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: 2.0%
Independent accountant’s opinion: Unqualified opinion Code 1
Late participant contributions reported: Not stated in the filing
Public plan identifier: 480231740-002

Reported plan details

Identity and filing status

Plan type: Retirement plan
Employer arrangement: Single-employer plan
Plan effective date: Sep 1, 1989
Industry: Agriculture, forestry, fishing and hunting
Amended filing: No
Final filing for this plan: No
Short plan year: No
401(k) feature reported: Yes
Show DOL characteristic codes
2E2F2G2J2K2T3D

Current plan terms

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Filing ACK_ID20260420154832NAL0000828051001

Data sourceDOL Form 5500 bulk data ↗

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