Retirement plan

FLETCHER TILTON PC PROFIT SHARING PLAN AND TRUST

Name: FLETCHER TILTON PC - FLETCHER TILTON PC PROFIT SHARING PLAN AND TRUST (2025) Form 5500
Creator: FLETCHER TILTON PC
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, FLETCHER TILTON PC PROFIT SHARING PLAN AND TRUST, FLETCHER TILTON PC

FLETCHER TILTON PCEIN 04-2628601Plan #001PY 2025

100 FRONT STREET, 5TH FLOOR - WORCESTER, MA 01608508-798-8621

Prospect flagsHigh cashHigh assets / participant

How to read this page

Total assets (EOY)

$43M

+11.4% from 2024

Total participants

150

+15.4% from 2024

Average account balance

$307,063

-6.9% from 2024

Annual return

17.80%

+3.86 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

$42.99M

Not enough data

1 years with asset history on file

Average account balance

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

$307K

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.

140

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.

89.6%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.57M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$16K

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

+17.80%

Not enough data

1 years with return on file

Admin fee / account holder

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

$256

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 3 by compensation

Provider	Service type	Compensation
MORGAN STANLEY SMITH BARNEY2 years Service code 55 · EIN 26-4310632	Other Commissions	$42,736
BDO USA, LLP2 years Filed as: BDO Service code 10 · EIN 13-5381590	Accounting	$33,541
FIDELITY INVESTMENTS INSTITUTIONAL4 years Filed as: FIDELITY INV INST OPERATIONS Service code 37 · EIN 04-2647786	Loan Processing	$0

Plan features & details

Pension benefit codes2A2E2F2G2J2R2T3D

Plan features

2A
Age/service weighted or new comparability plan
Age/service weighted plan where allocations are based on age service or age and service; or new comparability or similar plan where allocations are based on participant classifications consisting entirely or predominantly of highly compensated employees or the plan provides an additional allocation rate on compensation above a specified threshold that exceeds the permitted disparity limits of Code section 401(l).
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.
2R
Participant-directed brokerage accounts
Participant-directed brokerage accounts provided as an investment option under the plan.
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.

Opportunity flags

2 tripped

OpportunityHigh cash
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
InformationalHigh assets / participant
Assets per participant exceed $250,000 - top-decile high-value plan.

Expense breakdown

Schedule H Part II

Admin total

$36K

$374 / participant

Recordkeeping$2K6.5%
Other / not subdivided$34K93.5%

% of EOY assets

0.083%

all-in expense ratio

Categories reported

1 / 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: STOWE & DEGON, LLC
Auditor EIN: 043379904
Audit fees: $33,541
Opinion code: Unqualified

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$307,063

$109,881+179.5%

$150,045+104.6%

$84,808+262.1%

Participation rate

89.6%

76.1%+13.5pp

82.3%+7.3pp

68.3%+21.3pp

Annual return

17.80%

28.25%-10.4pp

62.55%-44.8pp

40.90%-23.1pp

Employer contribution / active EE

$6,864

$3,561+92.7%

$4,693+46.3%

$2,631+160.9%

Participant deferral / active EE

$9,463

$6,636+42.6%

$7,997+18.3%

$4,212+124.7%

Admin fee / account holder

$256

$8,568-97.0%

$13,435-98.1%

$7,344-96.5%

Provider

Service type

Compensation

MORGAN STANLEY SMITH BARNEY2 years

Service code 55 · EIN 26-4310632

Other Commissions

$42,736

BDO USA, LLP2 years

Filed as: BDO

Service code 10 · EIN 13-5381590

Accounting

$33,541

FIDELITY INVESTMENTS INSTITUTIONAL4 years

Filed as: FIDELITY INV INST OPERATIONS

Service code 37 · EIN 04-2647786

Loan Processing

FLETCHER TILTON PC PROFIT SHARING PLAN AND TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

FLETCHER TILTON PC 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