Retirement plan

CALDERONE SCHOOL OF MUSIC 401(K) PLAN

Name: KATHLEEN CALDERONE - CALDERONE SCHOOL OF MUSIC 401(K) PLAN (2025) Form 5500
Creator: KATHLEEN CALDERONE
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CALDERONE SCHOOL OF MUSIC 401(K) PLAN, KATHLEEN CALDERONE

KATHLEEN CALDERONEdba CALDERONE SCHOOL OF MUSICEIN 22-2680660Plan #002PY 2025

59 TANGLEWOOD DRIVE - EAST HANOVER, NJ 07936973-887-3405

Prospect flagsLow participationLow participant contribution

How to read this page

Total assets (EOY)

$158K

+15.1% from 2024

Total participants

+54.5% from 2024

Average account balance

$52,759

+53.4% from 2024

Annual return

13.28%

+4.54 pp from 2024

Benchmarks

See 7,240 peers

Peer group

Industry61 - Educational Services

Plan typeDefined contribution

Participants<25

Cohort7,240 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$158K

Not enough data

1 years with asset history on file

Average account balance

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

$53K

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.

17.6%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$3K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$166

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

+13.28%

Not enough data

1 years with return on file

Admin fee / account holder

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

$115

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 codes2E2F2G2J3B3D

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.
3B
Plan covering self-employed individuals
Plan covering self-employed individuals.
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

2 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$344

$20 / participant

Other / not subdivided$344100.0%

% of EOY assets

0.217%

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

$52,759

$68,097-22.5%

$62,929-16.2%

$137,256-61.6%

Participation rate

17.6%

77.4%-59.8pp

73.1%-55.5pp

80.0%-62.3pp

Annual return

13.28%

1859.11%-1845.8pp

1063.93%-1050.6pp

220.34%-207.1pp

Employer contribution / active EE

$2,811-100.0%

$2,505-100.0%

$4,156-100.0%

Participant deferral / active EE

$166

$4,553-96.4%

$3,888-95.7%

$6,407-97.4%

Admin fee / account holder

$115

$6,521-98.2%

$5,065-97.7%

$12,270-99.1%

CALDERONE SCHOOL OF MUSIC 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CALDERONE SCHOOL OF MUSIC 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