Retirement plan

EARL MAY SEED & NURSERY LC PROFIT SHARING AND RETIREMENT SAVINGS PROGRAM

Name: EARL MAY SEED & NURSERY LC - EARL MAY SEED & NURSERY LC PROFIT SHARING AND RETIREMENT SAVINGS PROGRAM (2025) Form 5500
Creator: EARL MAY SEED & NURSERY LC
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, EARL MAY SEED & NURSERY LC PROFIT SHARING AND RETIREMENT SAVINGS PROGRAM, EARL MAY SEED & NURSERY LC

EARL MAY SEED & NURSERY LCEIN 42-1283266Plan #001PY 2025

208 NORTH ELM ST - SHENANDOAH, IA 51601712-246-1020

Prospect flagsLow returns

How to read this page

Total assets (EOY)

$7.1M

+4.4% from 2024

Total participants

362

+7.1% from 2024

Average account balance

$25,105

-10.7% from 2024

Annual return

12.15%

+1.50 pp from 2024

Benchmarks

See 256 peers

Peer group

Industry44 - Retail Trade

Plan typeDefined contribution

Participants250-999

Cohort256 peers

Snapshot2025

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

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Analytics

Total assets (EOY)

Plan-year ending balance

$7.08M

Not enough data

1 years with asset history on file

Average account balance

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

$25K

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.

282

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.

74.8%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$578K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$2K

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

+12.15%

Not enough data

1 years with return on file

Admin fee / account holder

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

$163

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.

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Service providers

Top 3 by compensation

Provider	Service type	Compensation
WELLTH ADVISORY SERVICES LLC1 year Filed as: WELLTH ADVISORY SEERVICES LLC Service code 27 722 ESSINGTON RD · JOLIET, IL 60435	Advisory (Plan)	$22,671
THE FINWAY GROUP8 years Service code 13 5625 MILLS CIVIC PARKWAY · WEST DES MOINES, IA 50266	Contract Administrator	$18,355
GREAT-WEST LIFE & ANNUITY INSURANCE3 years Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Recordkeeping Fees	$8,937

Plan features & details

Pension benefit codes2A2E2J2K2F2G3D

Plan features

2A
Age/service weighted or new comparability plan
Age/service weighted plan where allocations are based on age service or age and service; or new comparability or similar plan where allocations are based on participant classifications consisting entirely or predominantly of highly compensated employees or the plan provides an additional allocation rate on compensation above a specified threshold that exceeds the permitted disparity limits of Code section 401(l).
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.
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.
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

$46K

$145 / participant

Contract admin$46K100.0%

% of EOY assets

0.649%

all-in expense ratio

Categories reported

1 / 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: SKIBBIE CPA, INC.
Auditor EIN: 270851321
Audit fees: (not subdivided)
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

$25,105

$56,047-55.2%

$98,716-74.6%

$79,634-68.5%

Participation rate

74.8%

54.6%+20.1pp

69.3%+5.5pp

62.5%+12.3pp

Annual return

12.15%

17.58%-5.4pp

31.81%-19.7pp

36.46%-24.3pp

Employer contribution / active EE

$249

$1,237-79.9%

$2,279-89.1%

$2,529-90.2%

Participant deferral / active EE

$1,573

$2,469-36.3%

$4,048-61.1%

$3,835-59.0%

Admin fee / account holder

$163

$1,512-89.2%

$8,703-98.1%

$1,002-83.7%

Provider

Service type

Compensation

WELLTH ADVISORY SERVICES LLC1 year

Filed as: WELLTH ADVISORY SEERVICES LLC

Service code 27

722 ESSINGTON RD · JOLIET, IL 60435

Advisory (Plan)

$22,671

THE FINWAY GROUP8 years

Service code 13

5625 MILLS CIVIC PARKWAY · WEST DES MOINES, IA 50266

Contract Administrator

$18,355

GREAT-WEST LIFE & ANNUITY INSURANCE3 years

Filed as: EMPOWER ANNUITY INSURANCE COMPANY

Service code 64

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Recordkeeping Fees

$8,937

EARL MAY SEED & NURSERY LC PROFIT SHARING AND RETIREMENT SAVINGS PROGRAM

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

EARL MAY SEED & NURSERY LC PROFIT SHARING AND RETIREMENT SAVINGS PROGRAM

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