Retirement plan

POLISHED NICKEL CAPITAL MANAGE 401(K) PROFIT SHARING PLAN & TRUST

Name: POLISHED NICKEL CAPITAL MANAGE - POLISHED NICKEL CAPITAL MANAGE 401(K) PROFIT SHARING PLAN & TRUST (2025) Form 5500
Creator: POLISHED NICKEL CAPITAL MANAGE
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, POLISHED NICKEL CAPITAL MANAGE 401(K) PROFIT SHARING PLAN & TRUST, POLISHED NICKEL CAPITAL MANAGE

POLISHED NICKEL CAPITAL MANAGEEIN 37-1542043Plan #001PY 2025

ONE TOWER LANE, SUITE 2450 - OAKBROOK TERRACE, IL 60606312-477-7610LinkedIn11-50 employeestelecommunications

Prospect flagsHigh feesLow fidelity bond

How to read this page

Total assets (EOY)

$5.1M

+34.3% from 2024

Total participants

+5.7% from 2024

Average account balance

$144,389

+30.5% from 2024

Annual return

18.66%

-2.17 pp from 2024

Benchmarks

See 4,530 peers

Peer group

Industry81 - Other Services (except Public Administration)

Plan typeDefined contribution

Participants25-99

Cohort4,530 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$5.05M

Not enough data

1 years with asset history on file

Average account balance

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

$144K

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.

120.7%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$595K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$21K

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

+18.66%

Not enough data

1 years with return on file

Admin fee / account holder

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

$557

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 codes2E2F2G3H2J2T3D

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.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

2 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
ComplianceLow fidelity bond
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).

Expense breakdown

Schedule H Part II

Admin total

$20K

$673 / participant

Other / not subdivided$20K100.0%

% of EOY assets

0.386%

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

$144,389

$61,125+136.2%

$94,057+53.5%

$87,485+65.0%

Participation rate

93.1%

64.1%+29.0pp

73.3%+19.8pp

68.9%+24.2pp

Annual return

18.66%

35.20%-16.5pp

480.62%-462.0pp

26.06%-7.4pp

Employer contribution / active EE

$4,503

$2,136+110.8%

$2,933+53.5%

$2,596+73.4%

Participant deferral / active EE

$16,020

$3,260+391.4%

$4,709+240.2%

$4,274+274.9%

Admin fee / account holder

$557

$5,629-90.1%

$7,244-92.3%

$7,775-92.8%

POLISHED NICKEL CAPITAL MANAGE 401(K) PROFIT SHARING PLAN & TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

POLISHED NICKEL CAPITAL MANAGE 401(K) PROFIT SHARING PLAN & 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