Retirement plan

THE GUARDIAN FOUNDATION, INC. RETIREMENT PLAN

Name: THE GUARDIAN FOUNDATION, INC. - THE GUARDIAN FOUNDATION, INC. RETIREMENT PLAN (2021) Form 5500
Creator: THE GUARDIAN FOUNDATION, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, THE GUARDIAN FOUNDATION, INC. RETIREMENT PLAN, THE GUARDIAN FOUNDATION, INC.

THE GUARDIAN FOUNDATION, INC.EIN 52-1623898Plan #010PY 2021

5243 LITTLE DEBBIE PARKWAY, SUITE 101 - OOLTEWAH, TN 373634515404-233-6500guardianfoundationrepair.comLinkedIn11-50 employees

Prospect flagsLow returnsFailed to transmit contributions

Top hat statement on fileNQDC

Filed December 17, 2025 (most recent of 3 filings on file)

Plan administrator

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5243 Little Debbie Parkway 101

Ooletwah, TN 37363

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Plans declared (1)

457(f) plan1 emp

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Total assets (EOY)

$23.7M

+0.2% from 2020

Total participants

1,387

-24.0% from 2020

Average account balance

$18,737

+26.7% from 2020

Annual return

10.17%

+1.57 pp from 2020

Benchmarks

See 736 peers

Peer group

Industry56 - Administrative and Support and Waste Management and Remediation Services

Plan typeDefined contribution

Participants250-999

Cohort736 peers

Snapshot2021

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Analytics

Total assets (EOY)

Plan-year ending balance

$33.02M

Not enough data

1 years with asset history on file

Average account balance

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

$21K

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.

1,602

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.

72.4%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$6.81M

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

+11.63%

Not enough data

1 years with return on file

Admin fee / account holder

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

$148

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

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Service providers

Top 5 by compensation

Provider	Service type	Compensation
GREAT-WEST LIFE & ANNUITY INSURANCE1 year Service code 15 · EIN 84-0467907	Recordkeeping	$165,565
MERRILL LYNCH PIERCE FENNER & SMITH6 years Filed as: MERRILL LYNCH PIERCE FENNER SMITH Service code 22 · EIN 13-5674085	Insurance Broker	$67,358
MESIROW FINANCIAL INVESTMENT MANAGE5 years Filed as: MESIROW FINANCIAL INVESTMENT MGMT Service code 49 · EIN 36-3429599	Other Services	$0
RELIANCE TRUST COMPANY6 years Service code 25 · EIN 58-1428634	Directed Trustee	$0
EPIC RETIREMENT PLAN SERVICES4 years Filed as: RETIREMENT PLAN ADMINISTRATORS, LLC Service code 14 · EIN 58-2365498	Plan Administrator	$0

Plan features & details

Pension benefit codes2E2F2G2J2K2S2T3D3H

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.
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

2 tripped

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).

Expense breakdown

Schedule H Part II

Admin total

$368K

$559 / participant

Other / not subdivided$368K100.0%

% of EOY assets

1.552%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: MAYER HOFFMAN MCCANN P.C.
Auditor EIN: 431947695
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$18,737

$41,647-55.0%

$96,171-80.5%

$86,821-78.4%

Participation rate

81.6%

50.3%+31.3pp

68.4%+13.2pp

72.3%+9.3pp

Annual return

10.17%

27.24%-17.1pp

192.04%-181.9pp

97.94%-87.8pp

Employer contribution / active EE

$1,995

$1,328+50.2%

$2,799-28.7%

$2,406-17.1%

Participant deferral / active EE

$2,810

$2,412+16.5%

$4,350-35.4%

$4,132-32.0%

Admin fee / account holder

$291

$169+71.7%

$5,538-94.7%

$170+71.5%

Provider

Service type

Compensation

GREAT-WEST LIFE & ANNUITY INSURANCE1 year

Service code 15 · EIN 84-0467907

Recordkeeping

$165,565

MERRILL LYNCH PIERCE FENNER & SMITH6 years

Filed as: MERRILL LYNCH PIERCE FENNER SMITH

Service code 22 · EIN 13-5674085

Insurance Broker

$67,358

MESIROW FINANCIAL INVESTMENT MANAGE5 years

Filed as: MESIROW FINANCIAL INVESTMENT MGMT

Service code 49 · EIN 36-3429599

Other Services

RELIANCE TRUST COMPANY6 years

Service code 25 · EIN 58-1428634

Directed Trustee

EPIC RETIREMENT PLAN SERVICES4 years

Filed as: RETIREMENT PLAN ADMINISTRATORS, LLC

Service code 14 · EIN 58-2365498

Plan Administrator

THE GUARDIAN FOUNDATION, INC. RETIREMENT PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

THE GUARDIAN FOUNDATION, INC. RETIREMENT PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

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