Retirement plan

INTERCULTURAL FAMILY SERVICES, INC. 401(K) PLAN

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

INTERCULTURAL FAMILY SERVICES, INC.EIN 23-2311676Plan #001PY 2025

4225 CHESTNUT STREET - PHILADELPHIA, PA 191043014215-386-1298ifsinc.orgLinkedIn51-200 employeesindividual & family services

Prospect flagsLow returnsLow assets / participant

How to read this page

Total assets (EOY)

$1.1M

-0.4% from 2024

Total participants

125

-32.1% from 2024

Average account balance

$8,685

+46.9% from 2024

Annual return

10.32%

-1.56 pp from 2024

Benchmarks

See 5,366 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants25-99

Cohort5,366 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$1.08M

Not enough data

1 years with asset history on file

Average account balance

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

$9K

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.

124

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.

98.5%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$118K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$2K

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

+10.32%

Not enough data

1 years with return on file

Admin fee / account holder

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

$30

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

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

Service providers

Top 5 by compensation

Provider	Service type	Compensation
MY BENEFITS, LLC5 years Filed as: PB&H BENEFITS LLC Service code 14 · EIN 74-1130599 401 W HWY 6 · WACO, TX 76710	Plan Administrator	$3,550
NATIONWIDE5 years Service code 15 ONE NATIONWIDE PLAZA · COLUMBUS, OH 43215	Recordkeeping	$1,463
IRON-CO-FID-COMPREHENSIVE1 year Filed as: IRON FIDUCIARY Service code 26 · EIN 99-9552241	Advisory (Participants)	$205
PROACCOUNT1 year Service code 26 · EIN 73-0988442 10 W NATIONWIDE BLVD · COLUMBUS, OH 43215	Advisory (Participants)	$20
MASSACHUSETTS MUTUAL LIFE INS. CO.1 year Filed as: MML INVESTORS SERVICES, LLC Service code 26 · EIN 04-2746212 PO BOX 9500 · SPRINGFIELD, MA 01102	Advisory (Participants)	$0

Plan features & details

Pension benefit codes2E2F2G2J2K3D

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

2 tripped

OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
OpportunityLow assets / participant
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.

Expense breakdown

Schedule H Part II

Admin total

$4K

$55 / participant

Contract admin$4K100.0%

% of EOY assets

0.347%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: WITHUMSMITH+BROWN, PC
Auditor EIN: 222027092
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$8,685

$77,814-88.8%

$158,223-94.5%

$86,983-90.0%

Participation rate

98.5%

68.4%+30.1pp

79.2%+19.3pp

69.5%+29.0pp

Annual return

10.32%

30.54%-20.2pp

52.09%-41.8pp

25.83%-15.5pp

Employer contribution / active EE

$601

$2,592-76.8%

$4,109-85.4%

$2,584-76.7%

Participant deferral / active EE

$1,130

$3,270-65.4%

$5,467-79.3%

$4,194-73.1%

Admin fee / account holder

$30

$5,879-99.5%

$16,047-99.8%

$7,856-99.6%

Provider

Service type

Compensation

MY BENEFITS, LLC5 years

Filed as: PB&H BENEFITS LLC

Service code 14 · EIN 74-1130599

401 W HWY 6 · WACO, TX 76710

Plan Administrator

$3,550

NATIONWIDE5 years

Service code 15

ONE NATIONWIDE PLAZA · COLUMBUS, OH 43215

Recordkeeping

$1,463

IRON-CO-FID-COMPREHENSIVE1 year

Filed as: IRON FIDUCIARY

Service code 26 · EIN 99-9552241

Advisory (Participants)

$205

PROACCOUNT1 year

Service code 26 · EIN 73-0988442

10 W NATIONWIDE BLVD · COLUMBUS, OH 43215

Advisory (Participants)

$20

MASSACHUSETTS MUTUAL LIFE INS. CO.1 year

Filed as: MML INVESTORS SERVICES, LLC

Service code 26 · EIN 04-2746212

PO BOX 9500 · SPRINGFIELD, MA 01102

Advisory (Participants)

INTERCULTURAL FAMILY SERVICES, INC. 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

INTERCULTURAL FAMILY SERVICES, INC. 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