Retirement plan

ACCESS CARE PARTNERS, INC. TAX SHELTER RETIREMENT PLAN

Name: ACCESS CARE PARTNERS, INC. - ACCESS CARE PARTNERS, INC. TAX SHELTER RETIREMENT PLAN (2025) Form 5500
Creator: ACCESS CARE PARTNERS, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, ACCESS CARE PARTNERS, INC. TAX SHELTER RETIREMENT PLAN, ACCESS CARE PARTNERS, INC.

ACCESS CARE PARTNERS, INC.EIN 04-2545848Plan #001PY 2025

4 VALLEY MILL ROAD - HOLYOKE, MA 01040413-538-9020accesssearchpartners.comLinkedIn51-200 employeesstaffing and recruiting

Prospect flagsLow returnsLow participationCorrective distributions

How to read this page

Total assets (EOY)

$10M

-13.3% from 2024

Total participants

275

-0.7% from 2024

Average account balance

$55,530

-12.8% from 2024

Annual return

9.13%

-2.15 pp from 2024

Benchmarks

See 740 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants100-249

Cohort740 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$10.00M

Not enough data

1 years with asset history on file

Average account balance

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

$56K

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.

180

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.

59.7%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$921K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$4K

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

+9.13%

Not enough data

1 years with return on file

Admin fee / account holder

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

$278

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
PRINCIPAL LIFE INSURANCE COMPANY3 years Service code 13 · EIN 42-0127290	Contract Administrator	$40,931
CAMBRIDGE INVESTMENT RESEARCH2 years Filed as: CAMBRIDGE INVESTMENT RESEARCH INC. Service code 49 · EIN 42-1445429	Other Services	$17,805
ADP BROKER-DEALER3 years Filed as: PENSION CONSULTANTS, INC. Service code 13 · EIN 06-1504963	Contract Administrator	$12,656

Plan features & details

Pension benefit codes2E2F2G2K2L3D

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.
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.
2L
Code section 403(b)(1) arrangement
Plan uses a Code section 403(b)(1) annuity contract as a funding vehicle.
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

3 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$50K

$212 / participant

Contract admin$50K100.0%

% of EOY assets

0.501%

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: WHITTLESEY, PC
Auditor EIN: 060903326
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$55,530

$46,688+18.9%

$189,758-70.7%

$69,733-20.4%

Participation rate

59.7%

61.7%-2.0pp

79.8%-20.1pp

62.5%-2.7pp

Annual return

9.13%

14.35%-5.2pp

52.62%-43.5pp

15.22%-6.1pp

Employer contribution / active EE

$1,616

$1,695-4.7%

$4,767-66.1%

$2,250-28.2%

Participant deferral / active EE

$2,286

$2,143+6.7%

$5,856-61.0%

$3,054-25.2%

Admin fee / account holder

$278

$1,700-83.7%

$20,388-98.6%

$3,102-91.0%

Provider

Service type

Compensation

PRINCIPAL LIFE INSURANCE COMPANY3 years

Service code 13 · EIN 42-0127290

Contract Administrator

$40,931

CAMBRIDGE INVESTMENT RESEARCH2 years

Filed as: CAMBRIDGE INVESTMENT RESEARCH INC.

Service code 49 · EIN 42-1445429

Other Services

$17,805

ADP BROKER-DEALER3 years

Filed as: PENSION CONSULTANTS, INC.

Service code 13 · EIN 06-1504963

Contract Administrator

$12,656

ACCESS CARE PARTNERS, INC. TAX SHELTER RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

ACCESS CARE PARTNERS, INC. TAX SHELTER RETIREMENT 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