Gumby's, LLC 401(k) Profit Sharing Plan

• Opportunity

  Low participant contribution

  Participant contribution per participant is in the bottom quintile of the peer cohort.

  Schedule H, line 2a(1)(B)
• Opportunity

  Low returns

  Annual investment return is in the bottom quintile of the peer cohort.

  Schedule H, line 2
• Opportunity

  Low assets / participant

  Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.

  Schedule H, line 1l and line 6g
• Opportunity

  Few collective trusts

  0% of fund dollars in collective trusts, which often cost less than the same strategy as a mutual fund.

  Schedule H, line 4i
• Informational

  High retiree %

  Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.

  Lines 6b, 6e and 6f

Industry

42 - Wholesale Trade

Plan type

Defined contribution

Participants

100-249

Cohort

2,256 peers

Snapshot

2025

Target-date series: American Funds Target Date, mutual fund, 29% 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.

• 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.
• 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)).