Retirement plan

GALLAGHER FLYNN & CO., LLP 401(K) PROFIT SHARING PLAN AND TRUST

Name: GALLAGHER FLYNN & CO., LLP - GALLAGHER FLYNN & CO., LLP 401(K) PROFIT SHARING PLAN AND TRUST (2025) Form 5500
Creator: GALLAGHER FLYNN & CO., LLP
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, GALLAGHER FLYNN & CO., LLP 401(K) PROFIT SHARING PLAN AND TRUST, GALLAGHER FLYNN & CO., LLP

GALLAGHER FLYNN & CO., LLPEIN 03-0225774Plan #003PY 2025

725 COMMUNITY DRIVE, SUITE 401 - SOUTH BURLINGTON, VT 05403802-651-7272gfc.comLinkedIn51-200 employeesaccounting

Prospect flagsLow returnsHigh fees

How to read this page

Total assets (EOY)

$17M

-18.4% from 2024

Total participants

105

-10.3% from 2024

Average account balance

$164,772

-10.5% from 2024

Annual return

11.17%

-0.92 pp from 2024

Benchmarks

See 23,116 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants25-99

Cohort23,116 peers

Snapshot2025

See peer percentile detail. $4.99 for your first month.

Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.

Start for $4.99 See plans

Analytics

Total assets (EOY)

Plan-year ending balance

$16.97M

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$165K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

103

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

97.3%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.15M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$15K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+11.17%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$433

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

1 years with F_SCH_H allocation on file

See the 10-year trajectory. $4.99 for your first month.

Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.

Start for $4.99 See plans

Service providers

Top 6 by compensation

Provider	Service type	Compensation
CARON & BLETZER, PLLC3 years Filed as: CARON AND BLETZER, PLLC Service code 10 1 LIBRARY LANE · KINGSTON, NH 03848	Accounting	$12,700
LPL FINANCIAL4 years Filed as: LPL FINANCIAL LLC-RPCP Service code 15 · EIN 73-0988442 RPCP COMPENSATION PROCESSING · SAN DIEGO, CA 921502533	Recordkeeping	$11,821
NATIONWIDE4 years Service code 13 · EIN 31-1592130 ONE NATIONWIDE PLAZA · COLUMBUS, OH 43215	Contract Administrator	$10,579
PROACCOUNT1 year Service code 26 · EIN 73-0988442 10 NATIONWIDE BLVD · COLUMBUS, OH 43215	Advisory (Participants)	$8,875
PLAN INTEGRITY PARTNERS, LLC3 years Service code 14 · EIN 88-4096467 50 LAKESIDE AVE · BURLINGTON, VT 05401	Plan Administrator	$4,610
JOHN HANCOCK LIFE INSURANCE COMPANY1 year Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 200 BERKELEY STREET · BOSTON, MA 02116	Recordkeeping	$2,710

Plan features & details

Pension benefit codes2E2F2G2J2K2S2T3B3D

Plan features

2E
Profit-sharing
Profit-sharing plan.
2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2K
Code section 401(m) arrangement
Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
2T
Default investment account
Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
3B
Plan covering self-employed individuals
Plan covering self-employed individuals.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.

Opportunity flags

2 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$45K

$595 / participant

Recordkeeping$7K14.8%
Investment mgmt$21K46.4%
Contract admin$5K10.3%
Other / not subdivided$13K28.5%

% of EOY assets

0.263%

all-in expense ratio

Categories reported

3 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

The auditor signed off without reservation. This is the cleanest opinion.

Auditor firm: CARON & BLETZER, PLLC
Auditor EIN: 043499945
Audit fees: $12,700
Opinion code: Unqualified

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$164,772

$109,881+50.0%

$150,045+9.8%

$84,808+94.3%

Participation rate

97.3%

76.1%+21.2pp

82.3%+15.0pp

68.3%+29.0pp

Annual return

11.17%

28.25%-17.1pp

62.55%-51.4pp

40.90%-29.7pp

Employer contribution / active EE

$3,542

$3,561-0.5%

$4,693-24.5%

$2,631+34.6%

Participant deferral / active EE

$11,827

$6,636+78.2%

$7,997+47.9%

$4,212+180.8%

Admin fee / account holder

$433

$8,568-94.9%

$13,435-96.8%

$7,344-94.1%

Provider

Service type

Compensation

CARON & BLETZER, PLLC3 years

Filed as: CARON AND BLETZER, PLLC

Service code 10

1 LIBRARY LANE · KINGSTON, NH 03848

Accounting

$12,700

LPL FINANCIAL4 years

Filed as: LPL FINANCIAL LLC-RPCP

Service code 15 · EIN 73-0988442

RPCP COMPENSATION PROCESSING · SAN DIEGO, CA 921502533

Recordkeeping

$11,821

NATIONWIDE4 years

Service code 13 · EIN 31-1592130

ONE NATIONWIDE PLAZA · COLUMBUS, OH 43215

Contract Administrator

$10,579

PROACCOUNT1 year

Service code 26 · EIN 73-0988442

10 NATIONWIDE BLVD · COLUMBUS, OH 43215

Advisory (Participants)

$8,875

PLAN INTEGRITY PARTNERS, LLC3 years

Service code 14 · EIN 88-4096467

50 LAKESIDE AVE · BURLINGTON, VT 05401

Plan Administrator

$4,610

JOHN HANCOCK LIFE INSURANCE COMPANY1 year

Filed as: JOHN HANCOCK

Service code 15 · EIN 01-0233346

200 BERKELEY STREET · BOSTON, MA 02116

Recordkeeping

$2,710

GALLAGHER FLYNN & CO., LLP 401(K) PROFIT SHARING PLAN AND TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

GALLAGHER FLYNN & CO., LLP 401(K) PROFIT SHARING PLAN AND TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion