Retirement plan

OYSTER RECOVERY PARTNERSHIP INC. 401(K) PROFIT SHARING PLAN

Name: OYSTER RECOVERY PARTNERSHIP INC. - OYSTER RECOVERY PARTNERSHIP INC. 401(K) PROFIT SHARING PLAN (2025) Form 5500
Creator: OYSTER RECOVERY PARTNERSHIP INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, OYSTER RECOVERY PARTNERSHIP INC. 401(K) PROFIT SHARING PLAN, OYSTER RECOVERY PARTNERSHIP INC.

OYSTER RECOVERY PARTNERSHIP INC.EIN 23-7204806Plan #001PY 2025

1805 VIRGINIA STREET, STE A - ANNAPOLIS, MD 214014033410-990-4970oysterrecovery.orgLinkedIn11-50 employeesenvironmental services

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$2.5M

+23.5% from 2024

Total participants

-13.9% from 2024

Average account balance

$86,122

+32.0% from 2024

Annual return

18.16%

-23.46 pp from 2024

Benchmarks

See 4,342 peers

Peer group

Industry11 - Agriculture, Forestry, Fishing and Hunting

Plan typeDefined contribution

Participants<25

Cohort4,342 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$2.50M

Not enough data

1 years with asset history on file

Average account balance

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

$86K

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.

152.6%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$213K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$11K

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

+18.16%

Not enough data

1 years with return on file

Admin fee / account holder

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

$4166

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 codes2E2F2G2J2T3D

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

$121K

$6359 / participant

Other / not subdivided$121K100.0%

% of EOY assets

4.838%

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

$86,122

$161,352-46.6%

$134,172-35.8%

$137,256-37.3%

Participation rate

89.5%

78.3%+11.2pp

72.5%+17.0pp

80.0%+9.5pp

Annual return

18.16%

28.72%-10.6pp

25.30%-7.1pp

220.34%-202.2pp

Employer contribution / active EE

$3,489

$4,099-14.9%

$3,420+2.0%

$4,156-16.0%

Participant deferral / active EE

$7,728

$5,552+39.2%

$4,690+64.8%

$6,407+20.6%

Admin fee / account holder

$4,166

$15,028-72.3%

$12,016-65.3%

$12,270-66.0%

OYSTER RECOVERY PARTNERSHIP INC. 401(K) PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

OYSTER RECOVERY PARTNERSHIP INC. 401(K) PROFIT SHARING 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