Retirement plan

CEDARWOOD FINANCIAL & INSURANCE SERVICES, INC. 401(K) PLAN

Name: CEDARWOOD FINANCIAL & INSURANCE - CEDARWOOD FINANCIAL & INSURANCE SERVICES, INC. 401(K) PLAN (2025) Form 5500
Creator: CEDARWOOD FINANCIAL & INSURANCE
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CEDARWOOD FINANCIAL & INSURANCE SERVICES, INC. 401(K) PLAN, CEDARWOOD FINANCIAL & INSURANCE

CEDARWOOD FINANCIAL & INSURANCEEIN 55-0879442Plan #001PY 2025

1777 OAK AVE., STE. B - DAVIS, CA 95616530-753-0700LinkedIn1-10 employeesinsurance

Prospect flagsLow employer contributionLow fidelity bond

How to read this page

Total assets (EOY)

$238K

+39.9% from 2024

Total participants

+14.3% from 2024

Average account balance

$33,986

+39.9% from 2024

Annual return

19.42%

+3.86 pp from 2024

Benchmarks

See 25,041 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants<25

Cohort25,041 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$238K

Not enough data

1 years with asset history on file

Average account balance

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

$34K

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.

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.

140.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$35K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$7K

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

+19.42%

Not enough data

1 years with return on file

Admin fee / account holder

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

$129

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

0 years with F_SCH_H allocation on file

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

Service providers

Providers data not reported

Schedule C was not filed on this plan's most recent Form 5500, so no compensated service providers are available to display.

Plan features & details

Pension benefit codes2E2F2G2J2T3D

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.
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

2 tripped

OpportunityLow employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.
ComplianceLow fidelity bond
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).

Expense breakdown

Schedule H Part II

Admin total

$903

$181 / participant

Other / not subdivided$903100.0%

% of EOY assets

0.380%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

No opinion code on file for this filing.

Auditor firm: (not reported)
Auditor EIN: -
Audit fees: (not subdivided)
Opinion code: -

Metric

This plan

Peer set

Industry

Size

Avg account balance

$33,986

$212,386-84.0%

$199,883-83.0%

$138,895-75.5%

Participation rate

80.0%

87.4%-7.4pp

86.8%-6.8pp

79.9%+0.1pp

Annual return

19.42%

47.75%-28.3pp

43.81%-24.4pp

145.39%-126.0pp

Employer contribution / active EE

$898

$6,625-86.4%

$6,261-85.7%

$4,194-78.6%

Participant deferral / active EE

$6,073

$9,617-36.9%

$9,138-33.5%

$6,396-5.1%

Admin fee / account holder

$129

$18,233-99.3%

$17,268-99.3%

$12,562-99.0%

CEDARWOOD FINANCIAL & INSURANCE SERVICES, INC. 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CEDARWOOD FINANCIAL & INSURANCE SERVICES, INC. 401(K) 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