Retirement plan

M & T STONECYPHER DVM, INC. SAFE HARBOR 401(K) PLAN

Name: M & T STONECYPHER DVM, INC. DBA DOCTON ANIMAL CLINIC - M & T STONECYPHER DVM, INC. SAFE HARBOR 401(K) PLAN (2025) Form 5500
Creator: M & T STONECYPHER DVM, INC. DBA DOCTON ANIMAL CLINIC
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, M & T STONECYPHER DVM, INC. SAFE HARBOR 401(K) PLAN, M & T STONECYPHER DVM, INC. DBA DOCTON ANIMAL CLINIC

M & T STONECYPHER DVM, INC. DBA DOCTON ANIMAL CLINICEIN 20-8303920Plan #001PY 2025

10 KINSEY ROAD - XENIA, OH 45385937-372-6391

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$2.8M

-2.7% from 2024

Total participants

+14.7% from 2024

Average account balance

$95,454

-6.1% from 2024

Annual return

15.23%

+3.28 pp from 2024

Benchmarks

See 17,179 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants25-99

Cohort17,179 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$2.77M

Not enough data

1 years with asset history on file

Average account balance

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

$95K

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.

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.

85.3%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$195K

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

+15.23%

Not enough data

1 years with return on file

Admin fee / account holder

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

$25558

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

0 years with F_SCH_H allocation on file

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

Service providers

Providers data not reported

Schedule C was not filed on this plan's most recent Form 5500, so no compensated service providers are available to display.

Plan features & details

Pension benefit codes2E2J2F2G3D2T

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.
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

1 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)

Expense breakdown

Schedule H Part II

Admin total

$741K

$21800 / participant

Other / not subdivided$741K100.0%

% of EOY assets

26.775%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

No opinion code on file for this filing.

Auditor firm: (not reported)
Auditor EIN: -
Audit fees: (not subdivided)
Opinion code: -

Metric

This plan

Peer set

Industry

Size

Avg account balance

$95,454

$106,864-10.7%

$147,318-35.2%

$82,637+15.5%

Participation rate

70.6%

75.5%-4.9pp

82.1%-11.5pp

68.1%+2.5pp

Annual return

15.23%

27.49%-12.3pp

70.43%-55.2pp

53.51%-38.3pp

Employer contribution / active EE

$1,447

$3,417-57.7%

$4,593-68.5%

$2,552-43.3%

Participant deferral / active EE

$4,284

$6,496-34.0%

$7,906-45.8%

$4,126+3.8%

Admin fee / account holder

$25,558

$8,415+203.7%

$13,708+86.5%

$7,339+248.3%

M & T STONECYPHER DVM, INC. SAFE HARBOR 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

M & T STONECYPHER DVM, INC. SAFE HARBOR 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