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Department of Labor filing

ZEFR

ZEFR 401(K) PLAN · For the plan year ended Dec 31, 2024

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Public filing 2024 · received Oct 15, 2025Verified current terms Not available

Plan at a glance

How good does the filing look?

78filing comparison
out of 100

The filing signals stronger employer support and/or lower plan-paid administrative costs than many comparable plans. This is a filing comparison, not a complete benefits score.

$Employer support
$6,515

Reported employer contributions per active participant.

Higher than about 93% of comparable plans
#People in the filing
160

Active participants reported for 2024.

The filing does not say how many employees are currently contributing.
¢Visible plan-paid fees
$151 / participant

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

Lower cost than about 45% of comparable plans
↗Investment performance
Not available

Plan assets changed 30.9%, 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 · 202478out of 100 among similar-size plans in the same industry when enough peers exist

How this filing compares

Reported employer contributions93rd percentileTypical peer $3,163 · based on 140 comparable plans
Lower reported administrative expense45th percentileTypical peer $123 · based on 146 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, ZEFR reported $1,042,331 in employer contributions across the plan and 160 active participants. That works out to $6,515 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 proxy56%

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 36.5%

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

Expense trendUp 34.1%

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

Peer context78/100

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
$1,042,331
Participant contributions
$1,898,562
Other contributions
$61,148
Employer share of reported contributions
35.4%
Beginning assets
$13,132,741
Ending assets
$17,196,609
Ending net assets
$17,196,609
Ending liabilities
$0
Total income
$5,066,511
Total expenses
$1,002,643
Administrative expenses
$42,440
Participant loans
$180,731

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
$4,771
2023
$6,756
2024
$6,515
Plan-paid administrative expenses per participant
2022
$113
2023
$120
2024
$151
Active participants
2022
173
2023
158
2024
160
Detailed filing history
Plan yearPer active participantActive participantsPlan assetsFiling ID
2024$6,51516017.2M20251015082628NAL0005525936001
2023$6,75615813.1M20241011113200NAL0012429235001
2022$4,7711738.8M20231010061031NAL0017506403001

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
1.1%
Independent accountant’s opinion
Unqualified opinion Code 1
Late participant contributions reported
Not stated in the filing
Public plan identifier
943458703-001

Reported plan details

Identity and filing status

Plan type
Retirement plan
Employer arrangement
Single-employer plan
Plan effective date
Jul 1, 2014
Industry
Information
Amended filing
No
Final filing for this plan
No
Short plan year
No
401(k) feature reported
Yes
Show DOL characteristic codes2E2F2G2J2K2S2T3D

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.

ProviderPlan yearDirect compensationIndirect compensation
AMERICAN FUNDS DISTRIBUTORS, INC.2024Not reportedunknown
BLACKROCK INVESTMENTS, INC.2024Not reportedunknown
COHEN & STEERS CAPITAL MANAGEMENT2024Not reportedunknown
FIDELITY DISTRIBUTORS CORP.2024Not reportedunknown
GREAT GRAY TRUST2024Not reportedunknown
HARTFORD INVESTMENT FINANCIAL SERVI2024Not reportedunknown
JANUS DISTRIBUTORS, LLC2024Not reportedunknown
METROPOLITAN LIFE2024Not reportedunknown
QUASER DISTRIBUTORS2024Not reportedunknown
TRANSAMERICA CAPITAL, INC.2024Not reportedunknown
VANGUARD2024Not reportedunknown
VICTORY CAPITAL MANAGEMENT2024Not reportedunknown

Current plan terms

Help fill the gap the filing leaves.

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Filing ACK_ID20251015082628NAL0005525936001
Data sourceDOL Form 5500 bulk data ↗
Filing searchEFAST2 ↗