White Bay Holdings Ltd. 401(k) Plan

• Opportunity

  Low participation

  Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.

  Lines 6a and 6g
• Opportunity

  High fees

  Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)

  Form 5500-SF
• Opportunity

  Few collective trusts

  3% of fund dollars in collective trusts, which often cost less than the same strategy as a mutual fund.

  Schedule H, line 4i

Industry

31 - Manufacturing

Plan type

Defined contribution

Participants

<25

Cohort

4,438 peers

Snapshot

2025

Target-date series: Vanguard Target Retirement, mutual fund, 57% of fund dollars

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 plan did not file a Schedule C with its most recent Form 5500, so no paid service providers are listed.

• 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.

This is a legacy paper filing. The plan administrator and contact details are only in the original filing. We have not converted them into data fields.