Retirement plan

BOTTOM LINE 403(B) PLAN

Name: THE BOTTOM LINE INC. - BOTTOM LINE 403(B) PLAN (2025) Form 5500
Creator: THE BOTTOM LINE INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, BOTTOM LINE 403(B) PLAN, THE BOTTOM LINE INC.

THE BOTTOM LINE INC.dba BOTTOM LINEEIN 04-3351427Plan #001PY 2025

500 AMORY STREET - JAMAICA PLAIN, MA 02130617-580-9136bottomline.orgLinkedIn51-200 employeeshigher education

Prospect flagsLow fidelity bond

How to read this page

Total assets (EOY)

$6.6M

+29.2% from 2024

Total participants

244

+8.0% from 2024

Average account balance

$28,053

+20.9% from 2024

Annual return

14.38%

-8.59 pp from 2024

Benchmarks

See 766 peers

Peer group

Industry61 - Educational Services

Plan typeDefined contribution

Participants100-249

Cohort766 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$6.59M

Not enough data

1 years with asset history on file

Average account balance

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

$28K

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.

235

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.

94.3%

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

$7K

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

+14.38%

Not enough data

1 years with return on file

Admin fee / account holder

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

$222

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 2 by compensation

Provider	Service type	Compensation
STANCORP FINANCIAL GROUP7 years Service code 12 · EIN 93-1253576	Custodial (other than securities); Di...	$42,859
NFP RETIREMENT INC1 year Service code 27 · EIN 33-0905143	Advisory (Plan)	$9,300

Plan features & details

Pension benefit codes2F2G2K2L2M2S2T3D

Plan features

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.
2M
Code section 403(b)(7) accounts
Plan uses Code section 403(b)(7) custodial accounts as a funding vehicle.
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.
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

1 tripped

ComplianceLow fidelity bond
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).

Expense breakdown

Schedule H Part II

Admin total

$52K

$330 / participant

Investment mgmt$9K17.8%
Contract admin$43K82.2%

% of EOY assets

0.791%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: CLIFTONLARSONALLEN, LLP
Auditor EIN: 410746749
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$28,053

$63,433-55.8%

$63,803-56.0%

$64,097-56.2%

Participation rate

94.3%

65.0%+29.3pp

72.7%+21.6pp

55.2%+39.1pp

Annual return

14.38%

20.74%-6.4pp

543.72%-529.3pp

34.64%-20.3pp

Employer contribution / active EE

$2,785

$2,332+19.5%

$2,532+10.0%

$1,891+47.3%

Participant deferral / active EE

$4,512

$3,119+44.7%

$3,843+17.4%

$3,080+46.5%

Admin fee / account holder

$222

$1,489-85.1%

$5,196-95.7%

$3,454-93.6%

Provider

Service type

Compensation

STANCORP FINANCIAL GROUP7 years

Service code 12 · EIN 93-1253576

Custodial (other than securities); Di...

$42,859

NFP RETIREMENT INC1 year

Service code 27 · EIN 33-0905143

Advisory (Plan)

$9,300

BOTTOM LINE 403(B) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

BOTTOM LINE 403(B) 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