Retirement plan

SAMUEL A RAMIREZ & CO., INC. 401(K) PROFIT SHARING PLAN TRUST

Name: SAMUEL A. RAMIREZ & CO., INC. - SAMUEL A RAMIREZ & CO., INC. 401(K) PROFIT SHARING PLAN TRUST (2025) Form 5500
Creator: SAMUEL A. RAMIREZ & CO., INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, SAMUEL A RAMIREZ & CO., INC. 401(K) PROFIT SHARING PLAN TRUST, SAMUEL A. RAMIREZ & CO., INC.

SAMUEL A. RAMIREZ & CO., INC.EIN 13-2695511Plan #003PY 2025

14 EAST 52ND STREET - NEW YORK, NY 10022212-248-0533ramirezco.comLinkedIn51-200 employeesfinancial services

Other plans on this EIN

1 filing

#001Retirement-$175K assets

Prospect flagsLow returnsHigh feesHigh assets / participantFailed to transmit contributions

How to read this page

Total assets (EOY)

$50.9M

+18.3% from 2024

Total participants

223

+15.5% from 2024

Average account balance

$310,291

+2.4% from 2024

Annual return

13.66%

-11.86 pp from 2024

Benchmarks

See 411 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants100-249

Cohort411 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$50.89M

Not enough data

1 years with asset history on file

Average account balance

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

$310K

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.

164

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.

70.4%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$2.99M

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

+13.66%

Not enough data

1 years with return on file

Admin fee / account holder

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

$643

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
SENTINEL PENSION ADVISORS10+ years Service code 27 · EIN 04-3422848 100 QUANNAPOWITT PKWY, SUITE 402 · WAKEFIELD, MA 01880	Advisory (Plan)	$49,891
SENTINEL PENSION ADVISORS1 year Filed as: SENTINEL BENEFITS GROUP, LLC Service code 15 · EIN 04-3015875 100 QUANNAPOWITT PKWY, SUITE 402 · WAKEFIELD, MA 01880	Recordkeeping	$40,901
MATRIX TRUST COMPANY8 years Service code 19 717 17TH STREET, SUITE 1300 · DENVER, CO 80202	Securities Custodian	$14,683

Plan features & details

Pension benefit codes2E2F2G2J2K2T3D

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.
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

4 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
ComplianceFailed to transmit contributions
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
InformationalHigh assets / participant
Assets per participant exceed $250,000 - top-decile high-value plan.

Expense breakdown

Schedule H Part II

Admin total

$105K

$530 / participant

Recordkeeping$41K38.8%
Trustee / custodial$15K13.9%
Investment mgmt$50K47.3%

% of EOY assets

0.207%

all-in expense ratio

Categories reported

3 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: CBIZ CPAS P.C.
Auditor EIN: 431947695
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$310,291

$122,258+153.8%

$199,883+55.2%

$64,097+384.1%

Participation rate

70.4%

79.0%-8.6pp

86.8%-16.4pp

55.2%+15.2pp

Annual return

13.66%

24.91%-11.2pp

43.81%-30.1pp

34.64%-21.0pp

Employer contribution / active EE

$4,242-100.0%

$6,261-100.0%

$1,891-100.0%

Participant deferral / active EE

$15,033

$6,258+140.2%

$9,138+64.5%

$3,080+388.1%

Admin fee / account holder

$643

$3,882-83.4%

$17,268-96.3%

$3,454-81.4%

Provider

Service type

Compensation

SENTINEL PENSION ADVISORS10+ years

Service code 27 · EIN 04-3422848

100 QUANNAPOWITT PKWY, SUITE 402 · WAKEFIELD, MA 01880

Advisory (Plan)

$49,891

SENTINEL PENSION ADVISORS1 year

Filed as: SENTINEL BENEFITS GROUP, LLC

Service code 15 · EIN 04-3015875

100 QUANNAPOWITT PKWY, SUITE 402 · WAKEFIELD, MA 01880

Recordkeeping

$40,901

MATRIX TRUST COMPANY8 years

Service code 19

717 17TH STREET, SUITE 1300 · DENVER, CO 80202

Securities Custodian

$14,683

SAMUEL A RAMIREZ & CO., INC. 401(K) PROFIT SHARING PLAN TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

SAMUEL A RAMIREZ & CO., INC. 401(K) PROFIT SHARING PLAN 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