Every 401(k) plan files what it pays its recordkeeper. These are the ones paying well above plans their own size — with the employer, the city, the incumbent provider, and the annual gap in dollars. Six thousand first calls where you already know the number before you dial, every one of them checkable against a public filing.
Ranked by annual excess over benchmark. Not a mock-up — every row below is in the file you would receive, drawn from the same build.
| Employer | State | Staff | Plan assets | Incumbent recordkeeper | Fee | vs median | Excess / yr |
|---|
Employer, plan name, city and state. Filter to your territory in one click.
The incumbent recordkeeper, named, from the plan's own filing.
The plan's own adviser, where one is named on the filing. On 4,114 of these plans nobody is — so you are not walking into an incumbent relationship.
Disclosed fee in basis points and dollars per participant, against the median for plans that size.
Benchmark cost and annual excess in dollars. The figure you put in front of a committee.
Some states are thin. If yours is one of them this file is not worth $499 to you, and it is better that you find that out here than after paying. Every state is listed, nothing hidden.
| State | Plans | Total excess / yr | Median row | Depth |
|---|
Your prospect will ask, and they can check every figure against the filing. Here are the answers, including the awkward one.
Form 5500 Schedule C service provider compensation, joined to Schedule H plan assets. Public filings, published by the Department of Labor under a public domain dedication.
Recordkeepers only, by Schedule C service code 15, direct and indirect compensation combined. Schedule C lists every vendor paid $5,000 or more, so an unfiltered cut ranks auditors and law firms as expensive.
Welfare plans, multiemployer and PEO plans, plans under $1m or over $500m, fewer than 25 participants, and near-zero disclosures.
Plan years ending December 2024 and December 2025, from filings received to 24 August 2026. Nothing older, so you are not calling on a provider the plan replaced two years ago.
Benchmark cost is worked out against assets and against headcount, and whichever allows the plan more is the one used. Every excess figure is a floor.
These are disclosed figures. Pay wrapped inside an insurance contract can miss Schedule C entirely, so plenty of expensive plans never show up here. The list catches what gets reported.
It covers plans from $1m to $500m in assets only. If you work larger plans, or you cover a single thin state, this file will not earn its price and you should not buy it. The state table above shows exactly what is there before you pay.
This names employers, plans and incumbent providers. It does not include names, phone numbers or email addresses for anyone. If you need contacts, this is not that product.
This is not advice, a legal opinion, or proof that any plan breached a duty. Treat above-median as a reason to look. Check the plan's own filing before you put a number in writing.
Keyed on employer EIN and plan number, the canonical ERISA identity. A company running two genuine plans appears twice. The same plan filed under a changed name does not.
The sample downloads straight away, no form — same columns, same method sheet, 50 of the rows. CSV version. Card payment, the file arrives on checkout, and it is refunded in full within fourteen days if it does not match what this page describes.
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