Retirement plan

TOPTAL RETIREMENT SAVINGS PLAN

Name: TOPTAL - TOPTAL RETIREMENT SAVINGS PLAN (2025) Form 5500
Creator: TOPTAL
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, TOPTAL RETIREMENT SAVINGS PLAN, TOPTAL

TOPTALEIN 27-3834760Plan #001PY 2025

2810 N CHURCH ST #36879 - WILMINGTON, DE 19802888-604-3188

Prospect flagsNo flags tripped

How to read this page

Total assets (EOY)

$18.3M

+13.8% from 2024

Total participants

312

-6.9% from 2024

Average account balance

$63,896

+20.9% from 2024

Annual return

18.84%

+2.04 pp from 2024

Benchmarks

See 2,035 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants100-249

Cohort2,035 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$18.27M

Not enough data

1 years with asset history on file

Average account balance

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

$64K

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.

286

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.

85.6%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.88M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$10K

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

+18.84%

Not enough data

1 years with return on file

Admin fee / account holder

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

$299

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 3 by compensation

Provider	Service type	Compensation
COMMONWEALTH FINANCIAL NETWORK6 years Filed as: COMMONWEALTH EQUITY Service code 27 · EIN 04-6558834 23 SAWYER ROAD · WALTHAM, MA 02453	Advisory (Plan)	$42,299
GREAT-WEST LIFE & ANNUITY INSURANCE4 years Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 · EIN 84-0467907 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Recordkeeping Fees	$37,404
SPECTRUM EMPLOYEE BENEFITS3 years Service code 15 · EIN 20-1973276 PO BOX 290 · BRECKENRIDGE, MN 56520	Recordkeeping	$5,950

Plan features & details

Pension benefit codes2E2J2F2G3D2T2S

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.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
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

0 tripped

No flags tripped for this filing year. This plan looks clean.

Expense breakdown

Schedule H Part II

Admin total

$86K

$473 / participant

Recordkeeping$37K43.7%
Investment mgmt$42K49.4%
Contract admin$6K6.9%

% of EOY assets

0.469%

all-in expense ratio

Categories reported

3 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: HAGEN, KURTH, PERMAN & CO., P.S.
Auditor EIN: 911233794
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$63,896

$88,360-27.7%

$145,433-56.1%

$67,986-6.0%

Participation rate

85.6%

65.5%+20.2pp

82.1%+3.5pp

57.2%+28.4pp

Annual return

18.84%

63.15%-44.3pp

66.58%-47.7pp

31.67%-12.8pp

Employer contribution / active EE

$3,054-100.0%

$4,554-100.0%

$2,019-100.0%

Participant deferral / active EE

$10,359

$5,932+74.6%

$7,897+31.2%

$3,358+208.5%

Admin fee / account holder

$299

$3,313-91.0%

$13,129-97.7%

$3,203-90.7%

Provider

Service type

Compensation

COMMONWEALTH FINANCIAL NETWORK6 years

Filed as: COMMONWEALTH EQUITY

Service code 27 · EIN 04-6558834

23 SAWYER ROAD · WALTHAM, MA 02453

Advisory (Plan)

$42,299

GREAT-WEST LIFE & ANNUITY INSURANCE4 years

Filed as: EMPOWER ANNUITY INSURANCE COMPANY

Service code 64 · EIN 84-0467907

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Recordkeeping Fees

$37,404

SPECTRUM EMPLOYEE BENEFITS3 years

Service code 15 · EIN 20-1973276

PO BOX 290 · BRECKENRIDGE, MN 56520

Recordkeeping

$5,950

TOPTAL RETIREMENT SAVINGS PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

TOPTAL RETIREMENT SAVINGS 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