Retirement plan

ST. PAUL'S EVANGELICAL LUTHERAN CHURCH 401(K) PLAN

Name: ST. PAULS EVANGELICAL LUTHERAN CHURCH - ST. PAUL'S EVANGELICAL LUTHERAN CHURCH 401(K) PLAN (2025) Form 5500
Creator: ST. PAULS EVANGELICAL LUTHERAN CHURCH
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, ST. PAUL'S EVANGELICAL LUTHERAN CHURCH 401(K) PLAN, ST. PAULS EVANGELICAL LUTHERAN CHURCH

ST. PAULS EVANGELICAL LUTHERAN CHURCHEIN 42-0754662Plan #001PY 2025

301 1ST STREET NW - WAVERLY, IA 506772617319-352-3850LinkedIn1-10 employeesreligious institutions

Prospect flagsHigh feesLow participant contribution

How to read this page

Total assets (EOY)

$1.4M

+21.2% from 2024

Total participants

+21.2% from 2024

Average account balance

$35,545

+2.0% from 2024

Annual return

13.19%

+2.42 pp from 2024

Benchmarks

See 1,662 peers

Peer group

Industry81 - Other Services (except Public Administration)

Plan typeDefined contribution

Participants25-99

Cohort1,662 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$1.35M

Not enough data

1 years with asset history on file

Average account balance

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

$36K

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.

115.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$98K

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

+13.19%

Not enough data

1 years with return on file

Admin fee / account holder

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

$338

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 participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)

Expense breakdown

Schedule H Part II

Admin total

$13K

$389 / participant

Other / not subdivided$13K100.0%

% of EOY assets

0.951%

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

$35,545

$69,590-48.9%

$136,867-74.0%

$94,015-62.2%

Participation rate

93.9%

66.3%+27.6pp

74.5%+19.4pp

70.8%+23.1pp

Annual return

13.19%

19.62%-6.4pp

42.97%-29.8pp

17.84%-4.7pp

Employer contribution / active EE

$2,193

$2,396-8.5%

$3,547-38.2%

$2,790-21.4%

Participant deferral / active EE

$763

$3,437-77.8%

$4,924-84.5%

$4,249-82.0%

Admin fee / account holder

$338

$8,912-96.2%

$10,340-96.7%

$8,951-96.2%

ST. PAUL'S EVANGELICAL LUTHERAN CHURCH 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

ST. PAUL'S EVANGELICAL LUTHERAN CHURCH 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