Retirement plan

NORTHERN CONCRETE PIPE 401(K) PROFIT SHARING PLAN

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

NORTHERN CONCRETE PIPE, INC.EIN 38-1575052Plan #001PY 2025

401 KELTON ST. - BAY CITY, MI 48706989-892-3545ncp-inc.comLinkedIn51-200 employeesconstruction

Prospect flagsLow returnsHigh cash

How to read this page

Total assets (EOY)

$19.6M

+4.4% from 2024

Total participants

202

-15.1% from 2024

Average account balance

$99,456

+9.7% from 2024

Annual return

4.32%

-9.24 pp from 2024

Benchmarks

See 170 peers

Peer group

Industry32 - Manufacturing

Plan typeDefined contribution

Participants100-249

Cohort170 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$19.59M

Not enough data

1 years with asset history on file

Average account balance

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

$99K

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.

197

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.

97.5%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.78M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$9K

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

+4.32%

Not enough data

1 years with return on file

Admin fee / account holder

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

$295

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 3 by compensation

Provider	Service type	Compensation
FIDELITY INVESTMENTS INSTITUTIONAL1 year Filed as: FIDELITY WORKPLACE SERVICES LLC Service code 14 · EIN 04-3532603	Plan Administrator	$25,789
OSAIC WEALTH INC1 year Filed as: OSAIC WEALTH, INC. Service code 27 · EIN 93-0987232	Advisory (Plan)	$21,899
JOHN HANCOCK LIFE INSURANCE COMPANY3 years Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346	Recordkeeping	$6,071

Plan features & details

Pension benefit codes2E2F2G2K2J2T3D

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.
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

OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
OpportunityHigh cash
More than 10% of assets are held in cash - possible menu-design or default-fund problem.

Expense breakdown

Schedule H Part II

Admin total

$58K

$295 / participant

Recordkeeping$32K54.7%
Investment mgmt$26K45.3%

% of EOY assets

0.297%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: YEO YEO PC
Auditor EIN: 382706146
Audit fees: $0
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$99,456

$77,670+28.1%

$125,529-20.8%

$65,306+52.3%

Participation rate

97.5%

63.2%+34.3pp

74.7%+22.7pp

57.7%+39.8pp

Annual return

4.32%

15.16%-10.8pp

202.56%-198.2pp

21.94%-17.6pp

Employer contribution / active EE

$2,030

$2,099-3.3%

$3,058-33.6%

$1,967+3.2%

Participant deferral / active EE

$6,991

$3,095+125.9%

$4,813+45.3%

$2,959+136.2%

Admin fee / account holder

$295

$3,598-91.8%

$16,298-98.2%

$3,480-91.5%

Provider

Service type

Compensation

FIDELITY INVESTMENTS INSTITUTIONAL1 year

Filed as: FIDELITY WORKPLACE SERVICES LLC

Service code 14 · EIN 04-3532603

Plan Administrator

$25,789

OSAIC WEALTH INC1 year

Filed as: OSAIC WEALTH, INC.

Service code 27 · EIN 93-0987232

Advisory (Plan)

$21,899

JOHN HANCOCK LIFE INSURANCE COMPANY3 years

Filed as: JOHN HANCOCK

Service code 15 · EIN 01-0233346

Recordkeeping

$6,071

NORTHERN CONCRETE PIPE 401(K) PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

NORTHERN CONCRETE PIPE 401(K) PROFIT SHARING 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