Retirement plan

CONCORD BUILDING AND DESIGN CENTER 401(K) PLAN

Name: CONCORD LUMBER CORPORATION - CONCORD BUILDING AND DESIGN CENTER 401(K) PLAN (2025) Form 5500
Creator: CONCORD LUMBER CORPORATION
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CONCORD BUILDING AND DESIGN CENTER 401(K) PLAN, CONCORD LUMBER CORPORATION

CONCORD LUMBER CORPORATIONEIN 04-2482120Plan #002PY 2025

55 WHITE STREET - LITTLETON, MA 01460978-486-9877concordmobilrepair.comLinkedIn1-10 employeesindividual & family services

Other plans on this EIN

1 filing

#003Retirement-$8.3M assets

Prospect flagsHigh retiree %Low employer contribution

How to read this page

Total assets (EOY)

$8.5M

+13.9% from 2024

Total participants

158

+10.5% from 2024

Average account balance

$55,074

+5.0% from 2024

Annual return

18.09%

+12.19 pp from 2024

Benchmarks

See 755 peers

Peer group

Industry44 - Retail Trade

Plan typeDefined contribution

Participants100-249

Cohort755 peers

Snapshot2025

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$8.54M

Not enough data

1 years with asset history on file

Average account balance

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

$55K

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.

155

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.

97.4%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$384K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$3K

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

+18.09%

Not enough data

1 years with return on file

Admin fee / account holder

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

$17

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

Free accounts unlock saves, downloads, and 3-year history.

Service providers

Top 3 by compensation

Provider	Service type	Compensation
CAMBRIDGE INVESTMENT RESEARCH2 years Filed as: CAMBRIDGE INVESTMENT RESEARCH INC Service code 99 · EIN 42-1445429	Other Fees	$19,760
AEGIS RETIREMENT PARTNERS1 year Filed as: AEGIS RETIREMENT PARTNERS LLC Service code 49 12 DAMONMILL SQ STE EB2S · CONCORD, MA 01742	Other Services	$6,895
VOYA RETIREMENT INSURANCE & ANNUITY2 years Filed as: VOYA RETIREMENT INSURANCE AND ANNUI Service code 64 · EIN 71-0294737	Recordkeeping Fees	$2,600

Plan features & details

Pension benefit codes2E2F2G2J2T3D3H

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.
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.
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.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

2 tripped

OpportunityLow employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.
InformationalHigh retiree %
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.

Expense breakdown

Schedule H Part II

Admin total

$3K

$23 / participant

Contract admin$2K94.2%
Other / not subdivided$1505.8%

% of EOY assets

0.030%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: KAHN, LITWIN, RENZA & CO., LTD.
Auditor EIN: 050409384
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$55,074

$63,456-13.2%

$100,712-45.3%

$64,097-14.1%

Participation rate

97.4%

49.7%+47.7pp

69.3%+28.1pp

55.2%+42.2pp

Annual return

18.09%

19.65%-1.6pp

33.27%-15.2pp

34.64%-16.6pp

Employer contribution / active EE

$1,003-100.0%

$2,313-100.0%

$1,891-100.0%

Participant deferral / active EE

$3,336

$2,463+35.4%

$4,085-18.3%

$3,080+8.3%

Admin fee / account holder

$17

$4,808-99.7%

$9,256-99.8%

$3,454-99.5%

Provider

Service type

Compensation

CAMBRIDGE INVESTMENT RESEARCH2 years

Filed as: CAMBRIDGE INVESTMENT RESEARCH INC

Service code 99 · EIN 42-1445429

Other Fees

$19,760

AEGIS RETIREMENT PARTNERS1 year

Filed as: AEGIS RETIREMENT PARTNERS LLC

Service code 49

12 DAMONMILL SQ STE EB2S · CONCORD, MA 01742

Other Services

$6,895

VOYA RETIREMENT INSURANCE & ANNUITY2 years

Filed as: VOYA RETIREMENT INSURANCE AND ANNUI

Service code 64 · EIN 71-0294737

Recordkeeping Fees

$2,600

CONCORD BUILDING AND DESIGN CENTER 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CONCORD BUILDING AND DESIGN CENTER 401(K) PLAN

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