Retirement plan

CWT 401(K) PLAN

Name: CWT US, LLC - CWT 401(K) PLAN (2025) Form 5500
Creator: CWT US, LLC
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CWT 401(K) PLAN, CWT US, LLC

CWT US, LLCEIN 41-1880007Plan #001PY 2025

701 CARLSON PARKWAY - MINNETONKA, MN 55305800-853-4333

Prospect flagsFailed to transmit contributions

Top hat statement on fileNQDC

Filed August 14, 2009

This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.

Open the filing PDF

How to read this page

Total assets (EOY)

$404.4M

+3.4% from 2024

Total participants

3,500

-14.3% from 2024

Average account balance

$122,518

+21.4% from 2024

Annual return

15.64%

+3.48 pp from 2024

Benchmarks

See 104 peers

Peer group

Industry56 - Administrative and Support and Waste Management and Remediation Services

Plan typeDefined contribution

Participants1,000-4,999

Cohort104 peers

Snapshot2025

See peer percentile detail. $4.99 for your first month.

Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.

Start for $4.99 See plans

Analytics

Total assets (EOY)

Plan-year ending balance

$404.43M

Not enough data

1 years with asset history on file

Average account balance

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

$123K

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.

3,301

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.

89.6%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$12.07M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$6K

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

+15.64%

Not enough data

1 years with return on file

Admin fee / account holder

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

$77

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

See the 10-year trajectory. $4.99 for your first month.

Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.

Start for $4.99 See plans

Service providers

Top 6 by compensation

Provider	Service type	Compensation
CHARLES SCHWAB & CO., INC.5 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833	Recordkeeping	$186,311
AON CONSULTING3 years Filed as: AON CONSULTING, INC Service code 28 · EIN 22-2945469	Investment Management	$25,000
AON CONSULTING7 years Filed as: AON HEWITT INVESTMENT CONSULTI Service code 28 · EIN 36-3109431	Investment Management	$25,000
CLIFTONLARSONALLEN LLP6 years Service code 10 · EIN 41-0746749	Accounting	$18,900
CHARLES SCHWAB & CO., INC.1 year Filed as: CHARLES SCHWAB & CO., INC Service code 33 · EIN 94-1737782	Direct payment from the plan; Securit...	$250
CHARLES SCHWAB & CO., INC.6 years Filed as: CHARLES SCHWAB & CO. INC. AND AFFIL Service code 59	Shareholder Servicing	$0

Plan features & details

Pension benefit codes2F2G2J2K2S2T3D3H

Plan features

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.
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.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

1 tripped

ComplianceFailed to transmit contributions
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).

Expense breakdown

Schedule H Part II

Admin total

$255K

$133 / participant

Recordkeeping$186K73.0%
Investment mgmt$50K19.6%
Other / not subdivided$19K7.4%

% of EOY assets

0.063%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

The auditor signed off without reservation. This is the cleanest opinion.

Auditor firm: CLIFTONLARSONALLEN LLP
Auditor EIN: 410746749
Audit fees: $18,900
Opinion code: Unqualified

Look up a plan sponsor by EIN. Free Form 5500 search. No signup.

Metric

This plan

Peer set

Industry

Size

Avg account balance

$122,518

$52,224+134.6%

$88,946+37.7%

$102,872+19.1%

Participation rate

89.6%

40.8%+48.9pp

68.8%+20.8pp

73.0%+16.6pp

Annual return

15.64%

16.96%-1.3pp

57.82%-42.2pp

19.06%-3.4pp

Employer contribution / active EE

$905

$1,241-27.1%

$2,555-64.6%

$3,526-74.3%

Participant deferral / active EE

$5,383

$2,611+106.1%

$4,581+17.5%

$5,535-2.7%

Admin fee / account holder

$77

$1,723-95.5%

$8,261-99.1%

$292-73.5%

Provider

Service type

Compensation

CHARLES SCHWAB & CO., INC.5 years

Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC

Service code 15 · EIN 34-1479833

Recordkeeping

$186,311

AON CONSULTING3 years

Filed as: AON CONSULTING, INC

Service code 28 · EIN 22-2945469

Investment Management

$25,000

AON CONSULTING7 years

Filed as: AON HEWITT INVESTMENT CONSULTI

Service code 28 · EIN 36-3109431

Investment Management

$25,000

CLIFTONLARSONALLEN LLP6 years

Service code 10 · EIN 41-0746749

Accounting

$18,900

CHARLES SCHWAB & CO., INC.1 year

Filed as: CHARLES SCHWAB & CO., INC

Service code 33 · EIN 94-1737782

Direct payment from the plan; Securit...

$250

CHARLES SCHWAB & CO., INC.6 years

Filed as: CHARLES SCHWAB & CO. INC. AND AFFIL

Service code 59

Shareholder Servicing

CWT 401(K) PLAN

Top hat statement on fileNQDC

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CWT 401(K) PLAN

Top hat statement on fileNQDC

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