Retirement plan

CLIFFORD FUEL CO, INC. EMPLOYEES' 401(K) SAVINGS & PROFIT SHARING PLAN

Name: CLIFFORD FUEL CO, INC. - CLIFFORD FUEL CO, INC. EMPLOYEES' 401(K) SAVINGS & PROFIT SHARING PLAN (2025) Form 5500
Creator: CLIFFORD FUEL CO, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CLIFFORD FUEL CO, INC. EMPLOYEES' 401(K) SAVINGS & PROFIT SHARING PLAN, CLIFFORD FUEL CO, INC.

CLIFFORD FUEL CO, INC.EIN 15-0620960Plan #005PY 2025

PO BOX 378 - MARCY, NY 13403315-797-2240cliffordfuel.comLinkedIn201-500 employeesoil & energy

Prospect flagsLow returns

How to read this page

Total assets (EOY)

$10.1M

+15.3% from 2024

Total participants

224

+8.2% from 2024

Average account balance

$48,184

+13.1% from 2024

Annual return

10.37%

+0.60 pp from 2024

Benchmarks

See 1,097 peers

Peer group

Industry42 - Wholesale Trade

Plan typeDefined contribution

Participants100-249

Cohort1,097 peers

Snapshot2025

See peer percentile detail. $4.99 for your first month.

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Analytics

Total assets (EOY)

Plan-year ending balance

$10.07M

Not enough data

1 years with asset history on file

Average account balance

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

$48K

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.

209

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.

91.4%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$545K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$3K

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

+10.37%

Not enough data

1 years with return on file

Admin fee / account holder

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

$215

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.

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Service providers

Top 4 by compensation

Provider	Service type	Compensation
GREAT-WEST LIFE & ANNUITY INSURANCE3 years Filed as: EMPOWER LIFE & ANNUITY INSURANCE CO Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Recordkeeping Fees	$42,505
ENVESTNET RETIREMENT SOLUTIONS, LLC3 years Service code 99 1801 CALIFORNIA STREET · DENVER, CO 80202	Other Fees	$1,776
ACTUARIAL PENSION ANALYSTS, INC.3 years Service code 13 7000 E GENESEE ST. · FAYETTEVILLE, NY 13066	Contract Administrator	$750
MORGAN STANLEY SMITH BARNEY8 years Service code 55 · EIN 26-4310632	Other Commissions	$0

Plan features & details

Pension benefit codes2A2E2F2G2T3H

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.
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.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

1 tripped

OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$45K

$259 / participant

Contract admin$45K100.0%

% of EOY assets

0.447%

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: BONADIO & CO., LLP
Auditor EIN: 161131146
Audit fees: (not subdivided)
Opinion code: Unqualified

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$48,184

$96,484-50.1%

$156,263-69.2%

$74,304-35.2%

Participation rate

91.4%

67.7%+23.7pp

78.9%+12.5pp

60.3%+31.0pp

Annual return

10.37%

17.73%-7.4pp

59.47%-49.1pp

29.43%-19.1pp

Employer contribution / active EE

$3,130

$2,528+23.8%

$4,333-27.8%

$2,241+39.7%

Participant deferral / active EE

$4,286-100.0%

$6,158-100.0%

$3,767-100.0%

Admin fee / account holder

$215

$3,728-94.2%

$14,255-98.5%

$2,969-92.7%

Provider

Service type

Compensation

GREAT-WEST LIFE & ANNUITY INSURANCE3 years

Filed as: EMPOWER LIFE & ANNUITY INSURANCE CO

Service code 64

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Recordkeeping Fees

$42,505

ENVESTNET RETIREMENT SOLUTIONS, LLC3 years

Service code 99

1801 CALIFORNIA STREET · DENVER, CO 80202

Other Fees

$1,776

ACTUARIAL PENSION ANALYSTS, INC.3 years

Service code 13

7000 E GENESEE ST. · FAYETTEVILLE, NY 13066

Contract Administrator

$750

MORGAN STANLEY SMITH BARNEY8 years

Service code 55 · EIN 26-4310632

Other Commissions

CLIFFORD FUEL CO, INC. EMPLOYEES' 401(K) SAVINGS & PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CLIFFORD FUEL CO, INC. EMPLOYEES' 401(K) SAVINGS & PROFIT SHARING 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