Retirement plan

MIDLAND UNIVERSITY 403(B) RETIREMENT SAVINGS PLAN

Name: MIDLAND UNIVERSITY - MIDLAND UNIVERSITY 403(B) RETIREMENT SAVINGS PLAN (2025) Form 5500
Creator: MIDLAND UNIVERSITY
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, MIDLAND UNIVERSITY 403(B) RETIREMENT SAVINGS PLAN, MIDLAND UNIVERSITY

MIDLAND UNIVERSITYEIN 47-0376551Plan #003PY 2025

900 N. CLARKSON ST - FREMONT, NE 68025800-642-8382midlandu.eduLinkedIn51-200 employeeshigher education

Prospect flagsFailed to transmit contributions

How to read this page

Total assets (EOY)

$21.9M

+4.5% from 2024

Total participants

448

-1.3% from 2024

Average account balance

$49,555

+6.7% from 2024

Annual return

14.11%

-6.92 pp from 2024

Benchmarks

See 879 peers

Peer group

Industry61 - Educational Services

Plan typeDefined contribution

Participants100-249

Cohort879 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$21.85M

Not enough data

1 years with asset history on file

Average account balance

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

$50K

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.

441

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.

96.6%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$801K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$4K

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

+14.11%

Not enough data

1 years with return on file

Admin fee / account holder

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

$131

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

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

Service providers

Top 4 by compensation

Provider	Service type	Compensation
TWO WEST CAPITAL ADVISORS8+ years Service code 26 · EIN 27-3055170 1582 N 1060 RD · LAWRENCE, KS 66046	Advisory (Participants)	$26,087
PENTEGRA SERVICES, INC.2 years Service code 14 · EIN 13-3745616 701 WESTCHESTER AVE, SUITE 320E · WHITE PLAINS, NY 106043027	Plan Administrator	$13,860
TIAA4 years Service code 15 · EIN 13-1624203 730 THIRD AVE · NEW YORK, NY 100173206	Recordkeeping	$10,434
COULTER & JUSTUS2 years Service code 10 · EIN 62-1532536 9717 COGDILL RD., STE 201 · KNOXVILLE, TN 37932	Accounting	$7,500

Plan features & details

Pension benefit codes2F2G2K2L2M2T3D

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.
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.
2L
Code section 403(b)(1) arrangement
Plan uses a Code section 403(b)(1) annuity contract as a funding vehicle.
2M
Code section 403(b)(7) accounts
Plan uses Code section 403(b)(7) custodial accounts as a funding vehicle.
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

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

$58K

$281 / participant

Recordkeeping$10K18.0%
Investment mgmt$26K45.1%
Contract admin$14K23.9%
Other / not subdivided$8K13.0%

% of EOY assets

0.265%

all-in expense ratio

Categories reported

3 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: COULTER & JUSTUS, P.C.
Auditor EIN: 621532536
Audit fees: $7,500
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$49,555

$64,705-23.4%

$62,929-21.3%

$67,986-27.1%

Participation rate

96.6%

65.6%+31.0pp

73.1%+23.5pp

57.2%+39.4pp

Annual return

14.11%

20.31%-6.2pp

1063.93%-1049.8pp

31.67%-17.6pp

Employer contribution / active EE

$1,453

$2,376-38.8%

$2,505-42.0%

$2,019-28.0%

Participant deferral / active EE

$2,437

$3,198-23.8%

$3,888-37.3%

$3,358-27.4%

Admin fee / account holder

$131

$1,428-90.8%

$5,065-97.4%

$3,203-95.9%

Provider

Service type

Compensation

TWO WEST CAPITAL ADVISORS8+ years

Service code 26 · EIN 27-3055170

1582 N 1060 RD · LAWRENCE, KS 66046

Advisory (Participants)

$26,087

PENTEGRA SERVICES, INC.2 years

Service code 14 · EIN 13-3745616

701 WESTCHESTER AVE, SUITE 320E · WHITE PLAINS, NY 106043027

Plan Administrator

$13,860

TIAA4 years

Service code 15 · EIN 13-1624203

730 THIRD AVE · NEW YORK, NY 100173206

Recordkeeping

$10,434

COULTER & JUSTUS2 years

Service code 10 · EIN 62-1532536

9717 COGDILL RD., STE 201 · KNOXVILLE, TN 37932

Accounting

$7,500

MIDLAND UNIVERSITY 403(B) RETIREMENT SAVINGS PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

MIDLAND UNIVERSITY 403(B) RETIREMENT SAVINGS 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