Filings through .
3 of 19 flags tripped on the 2025 filing.
Low participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Possible retail share class: $182K
Mutual funds in a class the filing names that is often retail or revenue sharing. Confirm before you raise it.
Few collective trusts
0% of fund dollars in collective trusts, which often cost less than the same strategy as a mutual fund.
This section compares the plan with plans of the same size, type and industry, and shows how it moved year over year.
We rank each metric against plans of the same size, type and industry.
Peer percentiles for 6 metrics are on Pro. Pro is free for 7 days and then costs $49 a month.
Showing the 2025 filing, 1 of 7 years on record. Charts need 3 years.
Older filings: assets, participants, contributions and return for each year are on Pro.
6 more years of history are on Pro. Pro is free for 7 days and then costs $49 a month.
$30K in admin expenses, $123 per participant (all participants, line 6f).
This section lists the funds on the plan's investment schedule and what changed since the prior filing.
9 funds of $250K or more; 12 lines in all, holding $7.5M of the plan's $7.5M. Recordkeeper: Capital Group.
Target-date series: American Funds Target Date, mutual fund, 77% of fund dollars
| Fund | Dollars | % of funds% |
|---|---|---|
| American Funds Target Date Capital Group · Mutual fund Target-date, 13 vintagesRecordkeeper's own fund | $5.8M | 77.0% |
| Growth Fund OF America Class R-6 Capital Group · Mutual fund Recordkeeper's own fund | $574K | 7.7% |
| American Balanced Fund R6 Capital Group · Mutual fund Recordkeeper's own fund | $291K | 3.9% |
| American Funds U.S. Government Money Market Fund Class R-3 Capital Group · Money market Recordkeeper's own fund | $182K | 2.4% |
| Funds New World Class R-6 Manager not matched · Mutual fund | $155K | 2.1% |
| NEW Perspective Fund Class R-6 Capital Group · Mutual fund Recordkeeper's own fund | $146K | 1.9% |
| Washington Mutual Investors Fund R-6 Capital Group · Mutual fund Recordkeeper's own fund | $108K | 1.4% |
| American Mutual Fund R6 Manager not matched · Mutual fund | $82K | 1.1% |
| Small Cap World Fund Class R-6 Manager not matched · Mutual fund | $75K | 1.0% |
| U.S. Government Securities Fund R6 Manager not matched · Mutual fund | $67K | 0.9% |
| Fund | Manager | Vehicle | Dollars | % of funds |
|---|---|---|---|---|
| Name available on Pro | Dollar amount available on Pro | Percentage available on Pro | ||
| Name available on Pro | Dollar amount available on Pro | Percentage available on Pro |
2 more funds in this lineup: name, manager, vehicle, dollars and share are on Pro.
Changed share class on 3 funds.
| Fund | Year-end value |
|---|---|
| Share class changeAmerican Funds Target Date 2035 Fund to American Funds Target Date 2035 Fund | $4.3M to $5.8M |
| Share class changeGrowth Fund OF America Class R-3 to Growth Fund OF America Class R-6 | $387K to $574K |
| Share class changeAmerican Balanced Fund R3 to American Balanced Fund R6 | $312K to $291K |
Stable value and insurance contract lines, renames and class changes are not counted.
Changes of at least $250K and 0.1% of the plan between the 2024 and 2025 filings. Values are year-end holdings. They do not show money moved.
2 more lines in this lineup are on Pro. Pro is free for 7 days and then costs $49 a month.
Covers 71,410 large plans that list their funds in their annual filing. Updated Nov 6, 2026. Shares describe these plans, not the whole market.
This section shows who is paid to serve the plan, who audits it and who signs the filing.
Top 3 by compensation.
| Provider | Compensation |
|---|---|
VALMARK ADVISERS INC1 year Filed as: VALMARK ADVISORS INC Service code 17 366 US ROUTE ONE · FALMOUTH, ME 04105 Pension Consulting | $25,609 |
AMERICAN FUNDS4 years Filed as: CAPITAL GROUP RETIREMENT PLAN SERV Service code 15 · EIN 82-4555287 Recordkeeping | $3,655 |
NBT BANK NA2 years Filed as: THE TPA EXPERTS Service code 10 · EIN 01-0472857 41 CAMPUS DRIVE STE 302 · NEW GLOUCESTER, ME 04260 Accounting | $1,500 |
The auditor signed off without reservation. This is the cleanest opinion.
Plan features from the filing, actuarial disclosures and related pages.
4 feature codes on the 2025 filing.
2 contacts
7 filings · 2019 to 2025