Filings through Oct 24, 2026.

Associated Physical & Occupational Therapists 401(k) Profit Sharing Plan and Trust

Name: ASSOCIATED PHYSICAL & OCCUPATIONAL - ASSOCIATED PHYSICAL & OCCUPATIONAL THERAPISTS 401(K) PROFIT SHARING PLAN AND TRUST (2025) Form 5500
Creator: ASSOCIATED PHYSICAL & OCCUPATIONAL
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, ASSOCIATED PHYSICAL & OCCUPATIONAL THERAPISTS 401(K) PROFIT SHARING PLAN AND TRUST, ASSOCIATED PHYSICAL & OCCUPATIONAL

Associated Physical & OccupationalEIN 16-1587089Plan #001PY 2025

3767 DELAWARE AVE. - KENMORE, NY 14217716-874-6175LinkedIn51-200 employeesmedical practice

How to read this page

Prospect flags

No flags tripped on the 2025 filing.

How flags work

Total assets (EOY)

$5.1M

+26.1% from 2024

Total participants

161

+13.4% from 2024

Average account balance

$41,895

+17.8% from 2024

Annual return

17.90%

+4.51 pp from 2024

Benchmarks

This section compares the plan with plans of the same size, type and industry, and shows how it moved year over year.

Peer benchmarks

We rank each metric against plans of the same size, type and industry.

Schedule H, Parts I and II See about 6,152 peers

Industry: 62 - Health Care and Social Assistance
Plan type: Defined contribution
Participants: 100-249
Cohort: 6,152 peers
Snapshot: 2025

MetricThis planAmong peersPercentile

Annual return

Percentile

Average balance

Percentile

Participation rate

Percentile

Employer contribution per participant

Percentile

Employee contribution per participant

Percentile

Administrative expense per participant

Percentile

Middle 50% of peersPeer medianThis plan

Peer percentiles for 6 metrics are on Pro. Pro is free for 7 days and then costs $49 a month.

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Middle 50% of peers
Peer median
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Plan history

Showing the 2025 filing, 1 of 10 years on record. Charts need 3 years.

2025 filing

Total assets (EOY): $5,069,345
Participants: 161
Contributions: $482,257
Annual return: 17.90%

2024 filing

Total assets (EOY): Dollar amount available on Pro
Participants: Count available on Pro
Contributions: Dollar amount available on Pro
Annual return: Percentage available on Pro

2023 filing

Total assets (EOY): Dollar amount available on Pro
Participants: Count available on Pro
Contributions: Dollar amount available on Pro
Annual return: Percentage available on Pro

Older filings: assets, participants, contributions and return for each year are on Pro.

9 more years of history are on Pro. Pro is free for 7 days and then costs $49 a month.

Pro unlocks:

Assets, participants and contributions by year
Annual return by year
Year-over-year charts

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Expense breakdown

$1K in admin expenses, $7 per participant (all participants, line 6f).

Schedule H, line 2i

Contract admin$575 (50%)
Investment mgmt$426 (37%)
Other / not subdivided$150 (13%)

Admin expense ratio

0.023%

Admin expenses as % of EOY assets; fund fees not included

Categories reported

2 / 9

subdivided buckets used

Investments

This section lists the funds on the plan's investment schedule and what changed since the prior filing.

Fund lineup

6 funds of $250K or more; 32 lines in all, holding $4.9M of the plan's $5.1M. Recordkeeper: Voya.

2025 filing, Schedule H, line 4i

In collective trusts59%median 0% for plans of $5M to $50M (40,449 plans)

In index funds15%median 22% for plans of $5M to $50M (40,449 plans)

In the main target-date series0%median 39% for plans of $5M to $50M (40,449 plans)

Employer stockNo

Fund	Manager	Vehicle	Dollars	% of funds%
MyCompass Ind Mod 2055 Fd R Manager not matched · Collective trust	Not yet matched	Collective trust	$1.6M	32.4%
MyCompass Ind Mod 2045 Fd R Manager not matched · Collective trust	Not yet matched	Collective trust	$460K	9.3%
Fidelity 500 Index Fund Fidelity (FMR) · Mutual fund Index	Fidelity (FMR)	Mutual fund	$413K	8.4%
Vanguard Equity Income Fund Admiral Shares Vanguard · Mutual fund	Vanguard	Mutual fund	$335K	6.8%
JPMorgan Large Cap Growth Fund Class R6 JPMorgan · Mutual fund	JPMorgan	Mutual fund	$335K	6.8%
MyCompass Ind Mod Ret Fd R Manager not matched · Collective trust	Not yet matched	Collective trust	$315K	6.4%
MyCompass Ind Mod 2035 Fd R Manager not matched · Collective trust	Not yet matched	Collective trust	$236K	4.8%
Fidelity Total International Index Fund Fidelity (FMR) · Mutual fund Index	Fidelity (FMR)	Mutual fund	$213K	4.3%
Fidelity Mid Cap Index Fund Fidelity (FMR) · Mutual fund Index	Fidelity (FMR)	Mutual fund	$127K	2.6%
MyCompass Ind Mod 2065 Fd R Manager not matched · Collective trust	Not yet matched	Collective trust	$126K	2.5%

Fund	Manager	Vehicle	Dollars	% of funds
Name available on Pro	Name available on Pro	Available on Pro	Dollar amount available on Pro	Percentage available on Pro
Name available on Pro	Name available on Pro	Available on Pro	Dollar amount available on Pro	Percentage available on Pro
Name available on Pro	Name available on Pro	Available on Pro	Dollar amount available on Pro	Percentage available on Pro

22 more funds in this lineup: name, manager, vehicle, dollars and share are on Pro.

What changed since 2024

No lineup changes between the 2024 and 2025 filings.

Stable value and insurance contract lines, renames and class changes are not counted.

Changes of at least $250K and 0.1% of the plan between the 2024 and 2025 filings. Values are year-end holdings. They do not show money moved.

22 more lines in this lineup are on Pro. Pro is free for 7 days and then costs $49 a month.

Pro unlocks:

Every fund in the lineup
Manager, vehicle and dollars per fund
Share of plan assets
Every change since the prior filing

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Covers 71,410 large plans that list their funds in their annual filing. Updated Nov 6, 2026. Shares describe these plans, not the whole market.

Providers

This section shows who is paid to serve the plan, who audits it and who signs the filing.

Service providers

Top 1 by compensation.

Schedule C

Provider	Service type	Compensation
VOYA FINANCIAL ADVISORS INC1 year Filed as: VOYA RETIREMENT INS & ANNUITY CO Service code 64 · EIN 71-0294708 Recordkeeping Fees	Recordkeeping Fees	$1,151

Audit opinion

Schedule H, Part III

Unqualified opinion

The auditor signed off without reservation. This is the cleanest opinion.

Auditor: EFPR GROUP PLLC
Auditor EIN: 47-4526160
Audit fees: Not reported separately
Opinion code: Unqualified

Plan design

Plan features from the filing, actuarial disclosures and related pages.

Plan features

8 feature codes on the 2025 filing.

Line 8a

Plan feature codes2A2E2F2G2J2K2T3D

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.
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.

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Fund

Dollars

% of funds%

MyCompass Ind Mod 2055 Fd R

Manager not matched · Collective trust

$1.6M

32.4%

MyCompass Ind Mod 2045 Fd R

Manager not matched · Collective trust

$460K

9.3%

Fidelity 500 Index Fund

Fidelity (FMR) · Mutual fund

Index

$413K

8.4%

Vanguard Equity Income Fund Admiral Shares

Vanguard · Mutual fund

$335K

6.8%

JPMorgan Large Cap Growth Fund Class R6

JPMorgan · Mutual fund

$335K

6.8%

MyCompass Ind Mod Ret Fd R

Manager not matched · Collective trust

$315K

6.4%

MyCompass Ind Mod 2035 Fd R

Manager not matched · Collective trust

$236K

4.8%

Fidelity Total International Index Fund

Fidelity (FMR) · Mutual fund

Index

$213K

4.3%

Fidelity Mid Cap Index Fund

Fidelity (FMR) · Mutual fund

Index

$127K

2.6%

MyCompass Ind Mod 2065 Fd R

Manager not matched · Collective trust

$126K

2.5%

Provider

Compensation

VOYA FINANCIAL ADVISORS INC1 year

Filed as: VOYA RETIREMENT INS & ANNUITY CO

Service code 64 · EIN 71-0294708

Recordkeeping Fees

$1,151

Associated Physical & Occupational Therapists 401(k) Profit Sharing Plan and Trust

Prospect flags

Benchmarks

Peer benchmarks

Plan history

Expense breakdown

Investments

Fund lineup

What changed since 2024

Providers

Service providers

Audit opinion

Plan design

Plan features

Associated Physical & Occupational Therapists 401(k) Profit Sharing Plan and Trust

Prospect flags

Benchmarks

Peer benchmarks

Plan history

Expense breakdown

Investments

Fund lineup

What changed since 2024

Providers

Service providers

Audit opinion

People on file

5500 filings

Plan design

Plan features

People on file

5500 filings

Associated Physical & Occupational Therapists 401(k) Profit Sharing Plan and Trust

Prospect flagsi

Summary metrics

Benchmarks

Peer benchmarksi

Plan history

Expense breakdowni

Investments

Fund lineupi

What changed since 2024

Providers

Service providersi

Audit opinioni

Plan design

Plan features

Associated Physical & Occupational Therapists 401(k) Profit Sharing Plan and Trust

Prospect flagsi

Summary metrics

Benchmarks

Peer benchmarksi

Plan history

Expense breakdowni

Investments

Fund lineupi

What changed since 2024

Providers

Service providersi

Audit opinioni

People on file

5500 filings

Plan design

Plan features

People on file

5500 filings

Prospect flags

Peer benchmarks

Expense breakdown

Fund lineup

Service providers

Audit opinion

Prospect flags

Peer benchmarks

Expense breakdown

Fund lineup

Service providers

Audit opinion