Filings through Oct 24, 2026.

Retirement plan

Ross Innovative Employment Solutions 401(k) Plan

Name: ROSS INNOVATIVE EMPLOYMENT SOLUTIONS - ROSS INNOVATIVE EMPLOYMENT SOLUTIONS 401(K) PLAN (2025) Form 5500
Creator: ROSS INNOVATIVE EMPLOYMENT SOLUTIONS
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, ROSS INNOVATIVE EMPLOYMENT SOLUTIONS 401(K) PLAN, ROSS INNOVATIVE EMPLOYMENT SOLUTIONS

Ross Innovative Employment SolutionsEIN 47-4926893Plan #001PY 2025

301 ORCHARD ST, SUITE 2 - ST. CLAIR, MI 48079810-326-4447rossworks.comLinkedIn201-500 employeesstaffing and recruiting

Prospect flagsLow returnsLow participationFailed to transmit contributionsFailed to provide benefitCorrective distributionsPossible retail share class: $12.1MFund lineup: 19 funds, $65.1M

How to read this page

Total assets (EOY)

$81.9M

+21.9% from 2024

Total participants

9,673

+10.8% from 2024

Average account balance

$13,995

+8.7% from 2024

Annual return

10.59%

-160.06 pp from 2024

Benchmarks

See 57 peers

Peer group

Industry56 - Administrative and Support and Waste Management and Remediation Services

Plan typeDefined contribution

Participants5,000-9,999

Cohort57 peers

Snapshot2025

See peer percentile detail with Pro.

Pro shows the percentile for each metric against plans of the same size and industry. Free for 7 days, no card. Then $49 a month. Cancel any time.

Try Pro free Compare plans

Analytics

See the 7-year trajectory with Pro.

Service providers

Top 2 by compensation

Provider	Service type	Compensation
FIDELITY INVESTMENTS INSTITUTIONAL4 years Service code 37 · EIN 04-2647786	Loan Processing	$276,369
WELLSPRING FINANCIAL PARTNERS3 years Service code 27 · EIN 45-2984270	Advisory (Plan)	$99,373

Fund lineup

CSV with Pro

19 funds of $250K or more; 23 lines in all, holding $65.1M of the plan's $67.2M. From the 2024 filing. Recordkeeper: Fidelity (FMR).

In collective trusts7%median 0% for plans of $50M to $250M (12,424 plans)

In index funds91%median 25% for plans of $50M to $250M (12,424 plans)

In the main target-date series0%median 37% for plans of $50M to $250M (12,424 plans)

Employer stockNo

Fund	Manager	Vehicle	Dollars	% of funds%
Blk LP Index 2035 Fund Inst a BlackRock · Mutual fund Index	BlackRock	Mutual fund	$11.9M	18.4%
Blk LP Index 2030 Fund Inst a BlackRock · Mutual fund Index	BlackRock	Mutual fund	$5.8M	8.9%
Blk LP Index 2045 Fund Inst a BlackRock · Mutual fund Index	BlackRock	Mutual fund	$5.5M	8.5%
Vanguard Growth Index Fund Ad a Vanguard · Mutual fund IndexPossible retail class A	Vanguard	Mutual fund	$5.3M	8.2%
Blk LP Index Ret Fund Inst a BlackRock · Mutual fund Index	BlackRock	Mutual fund	$4.7M	7.3%
Blk LP Index 2040 Fund Inst a BlackRock · Mutual fund Index	BlackRock	Mutual fund	$4.6M	7.1%
Vanguard 500 Index Fund Admiral Shares Vanguard · Mutual fund Index	Vanguard	Mutual fund	$4.3M	6.7%
Blk LP Index 2050 Fund Inst a BlackRock · Mutual fund Index	BlackRock	Mutual fund	$4.3M	6.5%
Blk LP Index 2055 Fund Inst a BlackRock · Mutual fund Index	BlackRock	Mutual fund	$3.5M	5.3%
Fidelity Management Trust Company Vanguard Mid Cap Index Fidelity (FMR) · Collective trust IndexRecordkeeper's own fund	Fidelity (FMR)	Collective trust	$3.0M	4.6%

See the other 13 lines in this lineup with Pro.

Covers 71,097 large plans that list their funds in their annual filing. Updated Nov 3, 2026. Shares describe these plans, not the whole market.

Plan features & details

Pension benefit codes3H2F3D2G2J2K2S2T2A2E

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.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
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.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

5 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
ComplianceFailed to transmit contributions
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
ComplianceFailed to provide benefit
Form 5500 reported that benefits due were not provided when due.
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$334K

$45 / participant

Recordkeeping$251K75.0%
Investment mgmt$84K25.0%

% of EOY assets

0.408%

all-in expense ratio

Categories reported

2 / 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: RODEFER MOSS
Auditor EIN: 621690032
Audit fees: $0
Opinion code: Unqualified

Look up a plan sponsor by EIN. Free Form 5500 search. No signup.

Provider

Service type

Compensation

FIDELITY INVESTMENTS INSTITUTIONAL4 years

Service code 37 · EIN 04-2647786

Loan Processing

$276,369

WELLSPRING FINANCIAL PARTNERS3 years

Service code 27 · EIN 45-2984270

Advisory (Plan)

$99,373

Fund

Dollars

% of funds%

Blk LP Index 2035 Fund Inst a

BlackRock · Mutual fund

Index

$11.9M

18.4%

Blk LP Index 2030 Fund Inst a

BlackRock · Mutual fund

Index

$5.8M

8.9%

Blk LP Index 2045 Fund Inst a

BlackRock · Mutual fund

Index

$5.5M

8.5%

Vanguard Growth Index Fund Ad a

Vanguard · Mutual fund

IndexPossible retail class A

$5.3M

8.2%

Blk LP Index Ret Fund Inst a

BlackRock · Mutual fund

Index

$4.7M

7.3%

Blk LP Index 2040 Fund Inst a

BlackRock · Mutual fund

Index

$4.6M

7.1%

Vanguard 500 Index Fund Admiral Shares

Vanguard · Mutual fund

Index

$4.3M

6.7%

Blk LP Index 2050 Fund Inst a

BlackRock · Mutual fund

Index

$4.3M

6.5%

Blk LP Index 2055 Fund Inst a

BlackRock · Mutual fund

Index

$3.5M

5.3%

Fidelity Management Trust Company Vanguard Mid Cap Index

Fidelity (FMR) · Collective trust

IndexRecordkeeper's own fund

$3.0M

4.6%

Ross Innovative Employment Solutions 401(k) Plan

Summary metrics

Benchmarksi

Analytics

Service providersi

Fund lineupi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Ross Innovative Employment Solutions 401(k) Plan

Summary metrics

Benchmarksi

Analytics

Service providersi

Fund lineupi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Fund lineup

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Fund lineup

Opportunity flags

Expense breakdown

Audit opinion