Retirement plan

CHANGELAB SOLUTIONS 403(B) PLAN

Name: CHANGELAB SOLUTIONS - CHANGELAB SOLUTIONS 403(B) PLAN (2025) Form 5500
Creator: CHANGELAB SOLUTIONS
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CHANGELAB SOLUTIONS 403(B) PLAN, CHANGELAB SOLUTIONS

CHANGELAB SOLUTIONSEIN 26-3710746Plan #001PY 2025

490 43RD STREET #283 - OAKLAND, CA 94609510-302-3380changelabsolutions.orgLinkedIn51-200 employeespublic policy

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$8.2M

+11.3% from 2024

Total participants

-12.5% from 2024

Average account balance

$83,253

+22.6% from 2024

Annual return

16.91%

+2.90 pp from 2024

Benchmarks

See 8,165 peers

Peer group

Industry81 - Other Services (except Public Administration)

Plan typeDefined contribution

Participants25-99

Cohort8,165 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$8.16M

Not enough data

1 years with asset history on file

Average account balance

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

$83K

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.

227.9%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$579K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$13K

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

+16.91%

Not enough data

1 years with return on file

Admin fee / account holder

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

$10473

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 codes2F2G2L2T3D2J

Plan features

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.
2L
Code section 403(b)(1) arrangement
Plan uses a Code section 403(b)(1) annuity contract as a funding vehicle.
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

$1.0M

$23868 / participant

Other / not subdivided$1M100.0%

% of EOY assets

12.579%

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

$83,253

$49,976+66.6%

$66,674+24.9%

$82,637+0.7%

Participation rate

100.0%

63.1%+36.9pp

73.7%+26.3pp

68.1%+31.9pp

Annual return

16.91%

39.09%-22.2pp

321.24%-304.3pp

53.51%-36.6pp

Employer contribution / active EE

$3,777

$1,988+90.0%

$2,620+44.2%

$2,552+48.0%

Participant deferral / active EE

$9,684

$2,847+240.2%

$4,084+137.1%

$4,126+134.7%

Admin fee / account holder

$10,473

$4,594+128.0%

$5,098+105.4%

$7,339+42.7%

CHANGELAB SOLUTIONS 403(B) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CHANGELAB SOLUTIONS 403(B) 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