Retirement plan

NEIGHBORHOOD LOANS 401(K) PLAN

Name: NEIGHBORHOOD LOANS, INC. - NEIGHBORHOOD LOANS 401(K) PLAN (2025) Form 5500
Creator: NEIGHBORHOOD LOANS, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, NEIGHBORHOOD LOANS 401(K) PLAN, NEIGHBORHOOD LOANS, INC.

NEIGHBORHOOD LOANS, INC.EIN 20-2408098Plan #001PY 2025

1333 W. BUTTERFIELD ROAD, SUITE 600 - DOWNERS GROVE, IL 60515630-246-4777neighborhoodloans.comLinkedIn201-500 employeesfinancial services

Prospect flagsLow participationLow employer contributionCorrective distributions

How to read this page

Total assets (EOY)

$27.7M

+48.0% from 2024

Total participants

735

+11.7% from 2024

Average account balance

$57,202

+35.7% from 2024

Annual return

34.08%

+10.00 pp from 2024

Benchmarks

See 53 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants250-999

Cohort53 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$27.69M

Not enough data

1 years with asset history on file

Average account balance

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

$57K

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.

484

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.

62.8%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$4.37M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$6K

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

+34.08%

Not enough data

1 years with return on file

Admin fee / account holder

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

$239

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 2 by compensation

Provider	Service type	Compensation
CREATIVE PLANNING LLC5 years Filed as: CREATIVE PLANNING, INC. Service code 26 · EIN 43-1270780	Advisory (Participants)	$73,083
AMERICAN REALTY ADVISORS1 year Filed as: AMERICAN TRUST COMPANY Service code 12 · EIN 62-0951563	Direct payment from the plan; Recordk...	$42,515

Plan features & details

Pension benefit codes2E2J2K2F2G3D

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.
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

3 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityLow employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$116K

$172 / participant

Investment mgmt$73K63.2%
Contract admin$43K36.8%

% of EOY assets

0.418%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Disclaimer opinion

Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.

Auditor firm: EIFEL RAMBO ADVISORY GROUP, LTD.
Auditor EIN: 931743146
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$57,202

$95,090-39.8%

$211,142-72.9%

$64,728-11.6%

Participation rate

62.8%

85.7%-23.0pp

87.3%-24.5pp

57.9%+4.9pp

Annual return

34.08%

49.50%-15.4pp

46.84%-12.8pp

49.38%-15.3pp

Employer contribution / active EE

$1,378

$4,313-68.0%

$6,442-78.6%

$2,243-38.5%

Participant deferral / active EE

$5,111

$6,774-24.5%

$9,284-44.9%

$2,729+87.3%

Admin fee / account holder

$239

$538-55.6%

$19,076-98.7%

$1,145-79.1%

Provider

Service type

Compensation

CREATIVE PLANNING LLC5 years

Filed as: CREATIVE PLANNING, INC.

Service code 26 · EIN 43-1270780

Advisory (Participants)

$73,083

AMERICAN REALTY ADVISORS1 year

Filed as: AMERICAN TRUST COMPANY

Service code 12 · EIN 62-0951563

Direct payment from the plan; Recordk...

$42,515

NEIGHBORHOOD LOANS 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

NEIGHBORHOOD LOANS 401(K) 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