Retirement plan

CROW WING COOPERATIVE POWER & LIGHT CO. EMPLOYEES RETIREMENT PLAN

Name: CROW WING COOPERATIVE POWER & LIGHT COMPANY - CROW WING COOPERATIVE POWER & LIGHT CO. EMPLOYEES RETIREMENT PLAN (2016) Form 5500
Creator: CROW WING COOPERATIVE POWER & LIGHT COMPANY
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CROW WING COOPERATIVE POWER & LIGHT CO. EMPLOYEES RETIREMENT PLAN, CROW WING COOPERATIVE POWER & LIGHT COMPANY

CROW WING COOPERATIVE POWER & LIGHT COMPANYEIN 41-0208552Plan #011PY 2016

P.O. BOX 507 - BRAINERD, MN 56401218-829-2827LinkedIn11-50 employeeshuman resources

Prospect flagsLow returns

Top hat statement on fileNQDC

Filed August 7, 2025

Plan administrator

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PO Box 507 17330 State Hwy 371 NO

BRAINERD, MN 56401

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Plans declared (1)

Crow Wing Cooperative Power and Light Co. Executive Deferred Compensation 457B Plan1 emp

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Total assets (EOY)

$26M

+2.8% from 2015

Total participants

134

-5.0% from 2015

Average account balance

$195,145

+7.4% from 2015

Annual return

4.44%

+5.13 pp from 2015

Benchmarks

See 150 peers

Peer group

Industry22 - Utilities

Plan typeDefined contribution

Participants100-249

Cohort150 peers

Snapshot2016

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

Analytics

Total assets (EOY)

Plan-year ending balance

$37.90M

Not enough data

1 years with asset history on file

Average account balance

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

$271K

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.

140

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.

95.1%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.91M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$16K

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

+13.46%

Not enough data

1 years with return on file

Admin fee / account holder

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

$36

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

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Service providers

Top 1 by compensation

Provider	Service type	Compensation
FIDELITY INVESTMENTS INSTITUTIONAL1 year Service code 60 · EIN 04-2647786	Sub-TA Fees	$1,208

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

1 tripped

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

Expense breakdown

Schedule H Part II

Admin total

$2K

$16 / participant

Other / not subdivided$2K100.0%

% of EOY assets

0.007%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Disclaimer opinion

Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.

Auditor firm: BRADY, MARTZ, & ASSOCIATES
Auditor EIN: 450310328
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$195,145

$91,051+114.3%

$88,497+120.5%

$55,167+253.7%

Participation rate

99.1%

79.5%+19.6pp

82.4%+16.7pp

69.0%+30.2pp

Annual return

4.44%

9.63%-5.2pp

7.63%-3.2pp

169.23%-164.8pp

Employer contribution / active EE

$6,125

$3,430+78.6%

$4,036+51.8%

$1,963+212.1%

Participant deferral / active EE

$6,152

$4,954+24.2%

$4,899+25.6%

$3,054+101.4%

Admin fee / account holder

$14

$539-97.4%

$6,220-99.8%

$504-97.3%

Provider

Service type

Compensation

FIDELITY INVESTMENTS INSTITUTIONAL1 year

Service code 60 · EIN 04-2647786

Sub-TA Fees

$1,208

CROW WING COOPERATIVE POWER & LIGHT CO. EMPLOYEES RETIREMENT PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CROW WING COOPERATIVE POWER & LIGHT CO. EMPLOYEES RETIREMENT PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

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