Retirement plan

PETROLEUM TRADERS CORPORATION 401(K) SALARY REDUCTION PLAN AND TRUST

Name: PETROLEUM TRADERS CORPORATION - PETROLEUM TRADERS CORPORATION 401(K) SALARY REDUCTION PLAN AND TRUST (2025) Form 5500
Creator: PETROLEUM TRADERS CORPORATION
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, PETROLEUM TRADERS CORPORATION 401(K) SALARY REDUCTION PLAN AND TRUST, PETROLEUM TRADERS CORPORATION

PETROLEUM TRADERS CORPORATIONEIN 35-1462227Plan #001PY 2025

7120 POINTE INVERNESS WAY - FORT WAYNE, IN 468047928260-432-6622petroleumtraders.comLinkedIn51-200 employeesoil & energy

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$13M

+12.4% from 2024

Total participants

124

-7.5% from 2024

Average account balance

$109,860

+24.8% from 2024

Annual return

12.23%

-0.72 pp from 2024

Benchmarks

See 146 peers

Peer group

Industry42 - Wholesale Trade

Plan typeDefined contribution

Participants100-249

Cohort146 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$12.96M

Not enough data

1 years with asset history on file

Average account balance

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

$110K

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.

118

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.

94.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.05M

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

+12.23%

Not enough data

1 years with return on file

Admin fee / account holder

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

$572

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 4 by compensation

Provider	Service type	Compensation
SYM FINANCIAL CORPORATION10+ years Service code 27 801 PARK AVE · WINONA LAKE, IN 46590	Advisory (Plan)	$34,896
PHILLIPS FINANCIAL MANAGEMENT LLC1 year Service code 27 6920 POINTE INVERNESS WAY STE 230 · FORT WAYNE, IN 46804	Advisory (Plan)	$17,799
ASCENSUS LLC4 years Filed as: ASCENSUS HOLDINGS INC DBA FUTUREPLA Service code 13 101 W BROADWAY · SAN DIEGO, CA 92101	Contract Administrator	$13,896
GREAT-WEST LIFE & ANNUITY INSURANCE3 years Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Recordkeeping Fees	$12,149

Plan features & details

Pension benefit codes2E2G2J3D2F

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.
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

$67K

$655 / participant

Contract admin$67K100.0%

% of EOY assets

0.520%

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: BADEN GAGE & SCHROEDER
Auditor EIN: 351939627
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$109,860

$98,547+11.5%

$216,567-49.3%

$69,733+57.5%

Participation rate

94.2%

68.4%+25.8pp

81.6%+12.5pp

62.5%+31.7pp

Annual return

12.23%

14.25%-2.0pp

12.94%-0.7pp

15.22%-3.0pp

Employer contribution / active EE

$3,883

$2,660+46.0%

$5,216-25.5%

$2,250+72.6%

Participant deferral / active EE

$6,300

$3,496+80.2%

$6,191+1.8%

$3,054+106.3%

Admin fee / account holder

$572

$4,094-86.0%

$21,981-97.4%

$3,102-81.6%

Provider

Service type

Compensation

SYM FINANCIAL CORPORATION10+ years

Service code 27

801 PARK AVE · WINONA LAKE, IN 46590

Advisory (Plan)

$34,896

PHILLIPS FINANCIAL MANAGEMENT LLC1 year

Service code 27

6920 POINTE INVERNESS WAY STE 230 · FORT WAYNE, IN 46804

Advisory (Plan)

$17,799

ASCENSUS LLC4 years

Filed as: ASCENSUS HOLDINGS INC DBA FUTUREPLA

Service code 13

101 W BROADWAY · SAN DIEGO, CA 92101

Contract Administrator

$13,896

GREAT-WEST LIFE & ANNUITY INSURANCE3 years

Filed as: EMPOWER ANNUITY INSURANCE COMPANY

Service code 64

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Recordkeeping Fees

$12,149

PETROLEUM TRADERS CORPORATION 401(K) SALARY REDUCTION PLAN AND TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

PETROLEUM TRADERS CORPORATION 401(K) SALARY REDUCTION 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