Retirement plan

403(B) THRIFT PLAN FOR EMPLOYEES OF KALAMAZOO LOAVES & FISHES, INC.

Name: KALAMAZOO LOAVES & FISHES, INC. - 403(B) THRIFT PLAN FOR EMPLOYEES OF KALAMAZOO LOAVES & FISHES, INC. (2025) Form 5500
Creator: KALAMAZOO LOAVES & FISHES, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, 403(B) THRIFT PLAN FOR EMPLOYEES OF KALAMAZOO LOAVES & FISHES, INC., KALAMAZOO LOAVES & FISHES, INC.

KALAMAZOO LOAVES & FISHES, INC.EIN 38-2420575Plan #001PY 2025

901 PORTAGE ST - KALAMAZOO, MI 490013005269-488-2617kzoolf.orgLinkedIn51-200 employeesnon-profit organization management

Prospect flagsLow returnsLow fidelity bond

How to read this page

Total assets (EOY)

$1.1M

+24.2% from 2024

Total participants

-2.0% from 2024

Average account balance

$21,910

+26.8% from 2024

Annual return

12.84%

-0.06 pp from 2024

Benchmarks

See 15,542 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants25-99

Cohort15,542 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$1.07M

Not enough data

1 years with asset history on file

Average account balance

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

$22K

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.

148.5%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$112K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$3K

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

+12.84%

Not enough data

1 years with return on file

Admin fee / account holder

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

$285

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 codes2G3D2J2E2T

Plan features

2E
Profit-sharing
Profit-sharing plan.
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

OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
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

$14K

$423 / participant

Other / not subdivided$14K100.0%

% of EOY assets

1.300%

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

$21,910

$76,407-71.3%

$150,298-85.4%

$82,448-73.4%

Participation rate

100.0%

66.4%+33.6pp

77.8%+22.2pp

68.1%+31.9pp

Annual return

12.84%

39.99%-27.1pp

62.79%-49.9pp

41.64%-28.8pp

Employer contribution / active EE

$2,168

$2,614-17.0%

$4,154-47.8%

$2,551-15.0%

Participant deferral / active EE

$1,226

$3,214-61.9%

$5,453-77.5%

$4,139-70.4%

Admin fee / account holder

$285

$6,352-95.5%

$14,116-98.0%

$7,234-96.1%

403(B) THRIFT PLAN FOR EMPLOYEES OF KALAMAZOO LOAVES & FISHES, INC.

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

403(B) THRIFT PLAN FOR EMPLOYEES OF KALAMAZOO LOAVES & FISHES, INC.

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