Retirement plan

BLANCHARD TELEPHONE ASSOCIATION, INC. 401(K) RETIREMENT PLAN

Name: BLANCHARD TELEPHONE ASSOCIATION, INC. - BLANCHARD TELEPHONE ASSOCIATION, INC. 401(K) RETIREMENT PLAN (2025) Form 5500
Creator: BLANCHARD TELEPHONE ASSOCIATION, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, BLANCHARD TELEPHONE ASSOCIATION, INC. 401(K) RETIREMENT PLAN, BLANCHARD TELEPHONE ASSOCIATION, INC.

BLANCHARD TELEPHONE ASSOCIATION, INC.EIN 38-1495583Plan #003PY 2025

425 MAIN ST - BLANCHARD, MI 493109222989-561-9932blanchardtel.comLinkedIn1-10 employees

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$379K

+18.4% from 2024

Total participants

0.0% from 2024

Average account balance

$75,705

+18.4% from 2024

Annual return

13.79%

+6.21 pp from 2024

Benchmarks

See 11,564 peers

Peer group

Industry51 - Information

Plan typeDefined contribution

Participants<25

Cohort11,564 peers

Snapshot2025

See peer percentile detail. $4.99 for your first month.

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Analytics

Total assets (EOY)

Plan-year ending balance

$379K

Not enough data

1 years with asset history on file

Average account balance

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

$76K

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.

100.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$28K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$6K

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

+13.79%

Not enough data

1 years with return on file

Admin fee / account holder

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

$2650

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

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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 codes2E2F2G2J2T3D

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.

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

$13K

$2650 / participant

Other / not subdivided$13K100.0%

% of EOY assets

3.501%

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: -

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$75,705

$106,584-29.0%

$101,326-25.3%

$142,382-46.8%

Participation rate

100.0%

82.7%+17.3pp

81.5%+18.5pp

80.1%+19.9pp

Annual return

13.79%

36.93%-23.1pp

36.82%-23.0pp

217.08%-203.3pp

Employer contribution / active EE

$2,905

$3,956-26.6%

$3,665-20.7%

$4,299-32.4%

Participant deferral / active EE

$2,693

$8,297-67.5%

$7,994-66.3%

$6,507-58.6%

Admin fee / account holder

$2,650

$11,446-76.8%

$11,185-76.3%

$12,624-79.0%

BLANCHARD TELEPHONE ASSOCIATION, INC. 401(K) RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

BLANCHARD TELEPHONE ASSOCIATION, INC. 401(K) RETIREMENT 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