Retirement plan

KALEVA TELEPHONE COMPANY 401(K) PLAN

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

KALEVA TELEPHONE COMPANYEIN 38-1525832Plan #002PY 2025

9462 OSMO ST - KALEVA, MI 496459392231-362-3111kaltelnet.netLinkedIn11-50 employeestelecommunications

Prospect flagsLow returnsHigh fees

How to read this page

Total assets (EOY)

$1.8M

+15.8% from 2024

Total participants

0.0% from 2024

Average account balance

$167,844

+15.8% from 2024

Annual return

12.54%

+2.78 pp from 2024

Benchmarks

See 10,975 peers

Peer group

Industry51 - Information

Plan typeDefined contribution

Participants<25

Cohort10,975 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$1.85M

Not enough data

1 years with asset history on file

Average account balance

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

$168K

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.

122.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$52K

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

+12.54%

Not enough data

1 years with return on file

Admin fee / account holder

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

$2089

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 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

2 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$23K

$2553 / participant

Other / not subdivided$23K100.0%

% of EOY assets

1.245%

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

$167,844

$100,970+66.2%

$96,576+73.8%

$137,256+22.3%

Participation rate

100.0%

82.6%+17.4pp

81.4%+18.6pp

80.0%+20.0pp

Annual return

12.54%

38.16%-25.6pp

38.47%-25.9pp

220.34%-207.8pp

Employer contribution / active EE

$2,763

$3,809-27.5%

$3,553-22.2%

$4,156-33.5%

Participant deferral / active EE

$2,993

$8,286-63.9%

$7,956-62.4%

$6,407-53.3%

Admin fee / account holder

$2,089

$11,312-81.5%

$11,381-81.6%

$12,270-83.0%

KALEVA TELEPHONE COMPANY 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

KALEVA TELEPHONE COMPANY 401(K) 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