Retirement plan

WILLOWAY NURSERIES, INC. 401(K) PROFIT SHARING PLAN AND TRUST

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

WILLOWAY NURSERIES, INC.EIN 34-1038898Plan #001PY 2025

4534 CENTER ROAD - AVON, OH 44011440-934-4435willowaynurseries.comLinkedIn201-500 employeeswholesale

Prospect flagsHigh feesCorrective distributions

How to read this page

Total assets (EOY)

$16.5M

+10.2% from 2024

Total participants

197

+4.2% from 2024

Average account balance

$100,107

+0.8% from 2024

Annual return

12.84%

-2.58 pp from 2024

Benchmarks

See 123 peers

Peer group

Industry11 - Agriculture, Forestry, Fishing and Hunting

Plan typeDefined contribution

Participants100-249

Cohort123 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$16.52M

Not enough data

1 years with asset history on file

Average account balance

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

$100K

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.

165

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.

78.4%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$974K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$7K

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

+12.84%

Not enough data

1 years with return on file

Admin fee / account holder

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

$411

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 6 by compensation

Provider	Service type	Compensation
MGO SECURITIES CORP2 years Service code 52 24400 CHAGRIN BLVD SUITE 310 · BEACHWOOD, OH 44122	Indirect Investment Fees	$62,073
NATIONWIDE10+ years Service code 15 ONE NATIONWIDE PLAZA · COLUMBUS, OH 43215	Recordkeeping	$47,781
MGO ONE SEVEN LLC3 years Filed as: MGO ONE SEVEN, LLC Service code 26 · EIN 88-2000569 24400 CHAGRIN BLVD. · BEACHWOOD, OH 44122	Advisory (Participants)	$2,752
MEADEN & MOORE, LTD.10+ years Filed as: MEADEN AND MOORE Service code 10 · EIN 33-5803878 PO BOX 92947 · CLEVELAND, OH 44194	Accounting	$0
MGO ONE SEVEN LLC2 years Filed as: MGO ONE SEVEN Service code 37 24400 CHAGRIN BLVD SUITE 310 · BEACHWOOD, OH 44122	Loan Processing	$0
MGO ONE SEVEN LLC3 years Filed as: MGO ONE SEVEN, LLC. Service code 15	Recordkeeping	$0

Plan features & details

Pension benefit codes2E2F2G2J2K2T

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.
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.

Opportunity flags

2 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$68K

$459 / participant

Recordkeeping$68K100.0%

% of EOY assets

0.411%

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: MEADEN & MOORE
Auditor EIN: 341818258
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$100,107

$68,607+45.9%

$147,027-31.9%

$64,340+55.6%

Participation rate

78.4%

50.4%+28.0pp

73.7%+4.6pp

55.2%+23.1pp

Annual return

12.84%

13.75%-0.9pp

20.23%-7.4pp

24.14%-11.3pp

Employer contribution / active EE

$1,680

$1,554+8.1%

$3,626-53.7%

$1,862-9.8%

Participant deferral / active EE

$4,900

$2,402+104.0%

$4,933-0.7%

$2,980+64.4%

Admin fee / account holder

$411

$3,287-87.5%

$12,223-96.6%

$3,703-88.9%

Provider

Service type

Compensation

MGO SECURITIES CORP2 years

Service code 52

24400 CHAGRIN BLVD SUITE 310 · BEACHWOOD, OH 44122

Indirect Investment Fees

$62,073

NATIONWIDE10+ years

Service code 15

ONE NATIONWIDE PLAZA · COLUMBUS, OH 43215

Recordkeeping

$47,781

MGO ONE SEVEN LLC3 years

Filed as: MGO ONE SEVEN, LLC

Service code 26 · EIN 88-2000569

24400 CHAGRIN BLVD. · BEACHWOOD, OH 44122

Advisory (Participants)

$2,752

MEADEN & MOORE, LTD.10+ years

Filed as: MEADEN AND MOORE

Service code 10 · EIN 33-5803878

PO BOX 92947 · CLEVELAND, OH 44194

Accounting

MGO ONE SEVEN LLC2 years

Filed as: MGO ONE SEVEN

Service code 37

24400 CHAGRIN BLVD SUITE 310 · BEACHWOOD, OH 44122

Loan Processing

MGO ONE SEVEN LLC3 years

Filed as: MGO ONE SEVEN, LLC.

Service code 15

Recordkeeping

WILLOWAY NURSERIES, INC. 401(K) PROFIT SHARING PLAN AND TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

WILLOWAY NURSERIES, INC. 401(K) PROFIT SHARING PLAN AND TRUST

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