Retirement plan

ZERO-POINT DEVELOPMENT, INC. 401(K) PLAN

Name: ZERO-POINT DEVELOPMENT, INC. - ZERO-POINT DEVELOPMENT, INC. 401(K) PLAN (2025) Form 5500
Creator: ZERO-POINT DEVELOPMENT, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, ZERO-POINT DEVELOPMENT, INC. 401(K) PLAN, ZERO-POINT DEVELOPMENT, INC.

ZERO-POINT DEVELOPMENT, INC.EIN 46-4900848Plan #001PY 2025

1 MERCANTILE STREET, SUITE 630 - WORCESTER, MA 01608774-234-9008

Prospect flagsLow fidelity bond

How to read this page

Total assets (EOY)

$2.1M

+21.0% from 2024

Total participants

-10.0% from 2024

Average account balance

$232,899

+21.0% from 2024

Annual return

12.20%

+3.02 pp from 2024

Benchmarks

See 1,760 peers

Peer group

Industry22 - Utilities

Plan typeDefined contribution

Participants<25

Cohort1,760 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$2.10M

Not enough data

1 years with asset history on file

Average account balance

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

$233K

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.

128.6%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$152K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$22K

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

+12.20%

Not enough data

1 years with return on file

Admin fee / account holder

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

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

1 tripped

ComplianceLow fidelity bond
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).

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

$232,899

$92,798+151.0%

$96,707+140.8%

$137,256+69.7%

Participation rate

100.0%

81.6%+18.4pp

80.4%+19.6pp

80.0%+20.0pp

Annual return

12.20%

31.24%-19.0pp

34.78%-22.6pp

220.34%-208.1pp

Employer contribution / active EE

$3,258

$4,147-21.5%

$4,191-22.3%

$4,156-21.6%

Participant deferral / active EE

$18,433

$5,877+213.7%

$5,997+207.4%

$6,407+187.7%

Admin fee / account holder

$7,946-100.0%

$7,503-100.0%

$12,270-100.0%

ZERO-POINT DEVELOPMENT, INC. 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Audit opinioni

ZERO-POINT DEVELOPMENT, INC. 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Audit opinion

Benchmarks

Service providers

Opportunity flags

Audit opinion