Filings through .
4 of 18 flags tripped on the 2025 filing.
High fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Low returns
Annual investment return is in the bottom quintile of the peer cohort.
Few collective trusts
0% of fund dollars in collective trusts, which often cost less than the same strategy as a mutual fund.
High assets / participant
Assets per participant exceed $250,000 - top-decile high-value plan.
This section compares the plan with plans of the same size, type and industry, and shows how it moved year over year.
We rank each metric against plans of the same size, type and industry.
Peer percentiles for 6 metrics are on Pro. Pro is free for 7 days and then costs $49 a month.
Showing the 2025 filing, 1 of 10 years on record. Charts need 3 years.
Older filings: assets, participants, contributions and return for each year are on Pro.
9 more years of history are on Pro. Pro is free for 7 days and then costs $49 a month.
$89K in admin expenses, $282 per participant (all participants, line 6f).
This section lists the funds on the plan's investment schedule and what changed since the prior filing.
15 funds of $250K or more, counting each target-date vintage; shown as 6 lines, holding $121M of the plan's $139M. Recordkeeper: Charles Schwab.
Target-date series: Vanguard Target Retirement, mutual fund, 45% of fund dollars
| Fund | Dollars | % of funds% |
|---|---|---|
| Vanguard Target Retirement Vanguard · Mutual fund Target-date, 11 vintages | $54.6M | 45.0% |
| Fidelity 500 Index Fund Fidelity (FMR) · Mutual fund Index | $38.5M | 31.7% |
| Vanguard Mid-Cap Index Fund Institutional Shares Vanguard · Mutual fund Index | $7.9M | 6.5% |
| Vanguard Small-Cap Index Fund Institutional Shares Vanguard · Mutual fund Index | $7.5M | 6.2% |
| Vanguard Total Bond Market Index Fund Admiral Shares Vanguard · Mutual fund Index | $7.0M | 5.7% |
| Fidelity International Index Fund Fidelity (FMR) · Mutual fund Index | $5.9M | 4.9% |
Dropped 9 funds, likely replaced 2 funds. Moved to another target-date series. Changed share class on 2 funds.
| Fund | Year-end value |
|---|---|
| Target-date switchT. Rowe Price Retirement 2020 Fund to Vanguard Target Retirement 2030 Fund Investor Shares | $48.2M to $54.6M |
| ReplacedHighVanguard 500 Index Fund Admiral Shares to Fidelity 500 Index Fund | $23.0M to $38.5M |
| DroppedT. Rowe Price Growth Stock Fund, Inc. | $11.9M |
Stable value and insurance contract lines, renames and class changes are not counted.
Changes of at least $250K and 0.1% of the plan between the 2024 and 2025 filings. Values are year-end holdings. They do not show money moved.
11 more changes in this lineup are on Pro. Pro is free for 7 days and then costs $49 a month.
Covers 71,410 large plans that list their funds in their annual filing. Updated Nov 6, 2026. Shares describe these plans, not the whole market.
This section shows who is paid to serve the plan, who audits it and who signs the filing.
Top 4 by compensation.
| Provider | Compensation |
|---|---|
WIPFLI LLP8 years Service code 10 · EIN 41-2899048 Accounting | $37,805 |
Service code 26 29 SAWYER ROAD · WALTHAM, MA 02453 Advisory (Participants) | $31,000 |
Filed as: GUIDANCE POINT RETIREMENT PLAN SERV Service code 14 136 COMMERCIAL ST, SUITE 301 · PORTLAND, ME 04101 Plan Administrator | $14,250 |
CHARLES SCHWAB & CO., INC.8 years Service code 19 · EIN 94-1737782 Securities Custodian | $277 |
The auditor signed off without reservation. This is the cleanest opinion.
Plan features from the filing, actuarial disclosures and related pages.
9 feature codes on the 2025 filing.
Filed November 17, 2008.
This is a legacy paper filing. The plan administrator and contact details are only in the original filing. We have not converted them into data fields.
3 contacts
11 filings · 2015 to 2025