Retirement plan

INSTITUTE FOR SOCIAL POLICY AND UNDERSTANDING 401(K) PLAN

Name: INSTITUTE FOR SOCIAL POLICY AND UNDERSTANDING - INSTITUTE FOR SOCIAL POLICY AND UNDERSTANDING 401(K) PLAN (2025) Form 5500
Creator: INSTITUTE FOR SOCIAL POLICY AND UNDERSTANDING
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, INSTITUTE FOR SOCIAL POLICY AND UNDERSTANDING 401(K) PLAN, INSTITUTE FOR SOCIAL POLICY AND UNDERSTANDING

INSTITUTE FOR SOCIAL POLICY AND UNDERSTANDINGEIN 38-3633581Plan #001PY 2025

3200 GREENFIELD RD STE 300 - DEARBORN, MI 48120800-920-4778ispu.orgLinkedIn11-50 employeesresearch

Prospect flagsLow participationLow fidelity bond

How to read this page

Total assets (EOY)

$296K

+77.9% from 2024

Total participants

-16.7% from 2024

Average account balance

$59,208

+77.9% from 2024

Annual return

22.08%

+11.53 pp from 2024

Benchmarks

See 54,432 peers

Peer group

Industry81 - Other Services (except Public Administration)

Plan typeDefined contribution

Participants<25

Cohort54,432 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$296K

Not enough data

1 years with asset history on file

Average account balance

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

$59K

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.

50.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$93K

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

+22.08%

Not enough data

1 years with return on file

Admin fee / account holder

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

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

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
ComplianceLow fidelity bond
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).

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

$59,208

$72,071-17.8%

$68,368-13.4%

$137,256-56.9%

Participation rate

50.0%

76.2%-26.2pp

73.8%-23.8pp

80.0%-30.0pp

Annual return

22.08%

353.14%-331.1pp

292.57%-270.5pp

220.34%-198.3pp

Employer contribution / active EE

$2,788-100.0%

$2,649-100.0%

$4,156-100.0%

Participant deferral / active EE

$9,291

$4,410+110.7%

$4,123+125.4%

$6,407+45.0%

Admin fee / account holder

$5,336-100.0%

$5,150-100.0%

$12,270-100.0%

INSTITUTE FOR SOCIAL POLICY AND UNDERSTANDING 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Audit opinioni

INSTITUTE FOR SOCIAL POLICY AND UNDERSTANDING 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Audit opinion

Benchmarks

Service providers

Opportunity flags

Audit opinion