Retirement plan

JOHNSON & WALES UNIVERSITY 401(K) RETIREMENT SAVINGS PLAN

Name: JOHNSON & WALES UNIVERSITY - JOHNSON & WALES UNIVERSITY 401(K) RETIREMENT SAVINGS PLAN (2021) Form 5500
Creator: JOHNSON & WALES UNIVERSITY
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, JOHNSON & WALES UNIVERSITY 401(K) RETIREMENT SAVINGS PLAN, JOHNSON & WALES UNIVERSITY

JOHNSON & WALES UNIVERSITYEIN 05-0306206Plan #002PY 2021

8 ABBOTT PARK PLACE - PROVIDENCE, RI 02903401-598-1034jwu.eduLinkedIn1001-5000 employeeshigher education

Prospect flagsCorrective distributions

Top hat statement on fileNQDC

Filed December 18, 2025 (most recent of 3 filings on file)

Plan administrator

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8 Abbott Park Place, Providence, RI 02903

Providence, RI 02903

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Plans declared (1)

Section 457(b) Deferred Compensation Plan For Johnson & Wales University6 emp

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Total assets (EOY)

$394.6M

+7.4% from 2020

Total participants

2,004

-6.2% from 2020

Average account balance

$198,868

+14.6% from 2020

Annual return

14.56%

-1.07 pp from 2020

Benchmarks

See 270 peers

Peer group

Industry61 - Educational Services

Plan typeDefined contribution

Participants1,000-4,999

Cohort270 peers

Snapshot2021

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Analytics

Total assets (EOY)

Plan-year ending balance

$367.94M

Not enough data

1 years with asset history on file

Average account balance

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

$193K

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.

1,907

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.

97.8%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$19.04M

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

+13.44%

Not enough data

1 years with return on file

Admin fee / account holder

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

$270

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

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Service providers

Top 10 of 14 by compensation

Provider	Service type	Compensation
CAPFINANCIAL PARTNERS LLC4 years Filed as: CAPFINANCIAL PARTNERS, LLC Service code 27 · EIN 26-0058143	Advisory (Plan)	$83,969
GREAT-WEST LIFE & ANNUITY INSURANCE1 year Filed as: GREAT WEST LIFE & ANNUITY INSURANCE Service code 49 · EIN 84-0467907	Other Services	$39,697
RSM US LLP3 years Service code 10 · EIN 42-0714325	Accounting	$22,880
AMERICAN CENTURY5 years Service code 52 · EIN 43-1646043	Indirect Investment Fees	$0
AMERICAN FUNDS5 years Service code 52 · EIN 95-1411037	Indirect Investment Fees	$0
CALVERT5 years Service code 52 · EIN 52-1233223	Indirect Investment Fees	$0
GOLDMAN SACHS5 years Service code 52 · EIN 13-4166989	Indirect Investment Fees	$0
MAINSTAY5 years Service code 52 · EIN 52-2206685	Indirect Investment Fees	$0
MASSACHUSETTS MUTUAL LIFE INS. CO.5 years Service code 52 · EIN 04-1590850	Indirect Investment Fees	$0
METROPOLITAN WEST ASSET MANAGEMENT5 years Service code 52 · EIN 95-4597302	Indirect Investment Fees	$0

Plan features & details

Pension benefit codes2E2J2F2G2K2S2T

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.

Opportunity flags

1 tripped

ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$147K

$120 / participant

Investment mgmt$84K57.3%
Contract admin$40K27.1%
Other / not subdivided$23K15.6%

% of EOY assets

0.037%

all-in expense ratio

Categories reported

2 / 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: RSM US LLP
Auditor EIN: 420714325
Audit fees: (not subdivided)
Opinion code: Unqualified

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$198,868

$120,057+65.6%

$75,696+162.7%

$93,030+113.8%

Participation rate

98.4%

77.3%+21.1pp

74.8%+23.5pp

73.9%+24.5pp

Annual return

14.56%

19.62%-5.1pp

104.53%-90.0pp

158.70%-144.1pp

Employer contribution / active EE

$6,057

$3,253+86.2%

$2,743+120.8%

$2,706+123.9%

Participant deferral / active EE

$8,147

$4,089+99.2%

$3,821+113.2%

$4,562+78.6%

Admin fee / account holder

$74

$81-9.3%

$3,619-98.0%

$152-51.3%

Provider

Service type

Compensation

CAPFINANCIAL PARTNERS LLC4 years

Filed as: CAPFINANCIAL PARTNERS, LLC

Service code 27 · EIN 26-0058143

Advisory (Plan)

$83,969

GREAT-WEST LIFE & ANNUITY INSURANCE1 year

Filed as: GREAT WEST LIFE & ANNUITY INSURANCE

Service code 49 · EIN 84-0467907

Other Services

$39,697

RSM US LLP3 years

Service code 10 · EIN 42-0714325

Accounting

$22,880

AMERICAN CENTURY5 years

Service code 52 · EIN 43-1646043

Indirect Investment Fees

AMERICAN FUNDS5 years

Service code 52 · EIN 95-1411037

Indirect Investment Fees

CALVERT5 years

Service code 52 · EIN 52-1233223

Indirect Investment Fees

GOLDMAN SACHS5 years

Service code 52 · EIN 13-4166989

Indirect Investment Fees

MAINSTAY5 years

Service code 52 · EIN 52-2206685

Indirect Investment Fees

MASSACHUSETTS MUTUAL LIFE INS. CO.5 years

Service code 52 · EIN 04-1590850

Indirect Investment Fees

METROPOLITAN WEST ASSET MANAGEMENT5 years

Service code 52 · EIN 95-4597302

Indirect Investment Fees

JOHNSON & WALES UNIVERSITY 401(K) RETIREMENT SAVINGS PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

JOHNSON & WALES UNIVERSITY 401(K) RETIREMENT SAVINGS PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

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