Retirement plan

EAU CLAIRE CO-OP OIL COMPANY 401(K) PLAN

Name: EAU CLAIRE COOPERATIVE OIL COMPANY - EAU CLAIRE CO-OP OIL COMPANY 401(K) PLAN (2025) Form 5500
Creator: EAU CLAIRE COOPERATIVE OIL COMPANY
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, EAU CLAIRE CO-OP OIL COMPANY 401(K) PLAN, EAU CLAIRE COOPERATIVE OIL COMPANY

EAU CLAIRE COOPERATIVE OIL COMPANYEIN 39-0255640Plan #002PY 2025

4970 KANE ROAD - EAU CLAIRE, WI 54703715-876-6400chippewavalleyenergy.comLinkedIn51-200 employeesconsumer goods

Prospect flagsHigh feesHigh assets / participant

How to read this page

Total assets (EOY)

$46.2M

+20.3% from 2024

Total participants

180

-1.6% from 2024

Average account balance

$258,281

+22.9% from 2024

Annual return

14.14%

+2.45 pp from 2024

Benchmarks

See 570 peers

Peer group

Industry42 - Wholesale Trade

Plan typeDefined contribution

Participants100-249

Cohort570 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$46.23M

Not enough data

1 years with asset history on file

Average account balance

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

$258K

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.

179

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.

99.3%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$3.38M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$23K

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

+14.14%

Not enough data

1 years with return on file

Admin fee / account holder

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

$603

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
STANCORP FINANCIAL GROUP1 year Service code 12 · EIN 93-1253576	Claims processing; Custodial (other t...	$75,370
GREAT-WEST LIFE & ANNUITY INSURANCE1 year Filed as: EMPOWER ANNUITY INS CO OF AMERICA Service code 27 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Advisory (Plan)	$42,605
ORGEL WEALTH MANAGEMENT6 years Filed as: ORGEL WEALTH MANAGEMENT, LLC Service code 27 2420 RIVERS EDGE DRIVE · ALTOONA, WI 54720	Advisory (Plan)	$40,998

Plan features & details

Pension benefit codes2E2F2G2J2S2T3D

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.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
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.)
InformationalHigh assets / participant
Assets per participant exceed $250,000 - top-decile high-value plan.

Expense breakdown

Schedule H Part II

Admin total

$108K

$729 / participant

Contract admin$108K100.0%

% of EOY assets

0.234%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: WIPFLI CPAS AND CONSULTANTS
Auditor EIN: 412899048
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$258,281

$91,120+183.5%

$161,149+60.3%

$64,097+303.0%

Participation rate

99.3%

62.2%+37.1pp

78.8%+20.5pp

55.2%+44.1pp

Annual return

14.14%

17.95%-3.8pp

21.16%-7.0pp

34.64%-20.5pp

Employer contribution / active EE

$16,242

$2,284+611.1%

$4,360+272.5%

$1,891+758.7%

Participant deferral / active EE

$6,564

$3,708+77.0%

$6,153+6.7%

$3,080+113.1%

Admin fee / account holder

$603

$4,535-86.7%

$15,194-96.0%

$3,454-82.5%

Provider

Service type

Compensation

STANCORP FINANCIAL GROUP1 year

Service code 12 · EIN 93-1253576

Claims processing; Custodial (other t...

$75,370

GREAT-WEST LIFE & ANNUITY INSURANCE1 year

Filed as: EMPOWER ANNUITY INS CO OF AMERICA

Service code 27

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Advisory (Plan)

$42,605

ORGEL WEALTH MANAGEMENT6 years

Filed as: ORGEL WEALTH MANAGEMENT, LLC

Service code 27

2420 RIVERS EDGE DRIVE · ALTOONA, WI 54720

Advisory (Plan)

$40,998

EAU CLAIRE CO-OP OIL COMPANY 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

EAU CLAIRE CO-OP OIL 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