Retirement plan

DRS. PEOPLES, OGHALAI, AND KRUTOY, P.A. 401(K) SAVINGS PLAN AND TRUST

Name: DRS. PEOPLES, OGHALAI & KRUTOY - DRS. PEOPLES, OGHALAI, AND KRUTOY, P.A. 401(K) SAVINGS PLAN AND TRUST (2025) Form 5500
Creator: DRS. PEOPLES, OGHALAI & KRUTOY
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, DRS. PEOPLES, OGHALAI, AND KRUTOY, P.A. 401(K) SAVINGS PLAN AND TRUST, DRS. PEOPLES, OGHALAI & KRUTOY

DRS. PEOPLES, OGHALAI & KRUTOYEIN 56-1136222Plan #001PY 2025

1405 WESTGATE CENTER DRIVE - WINSTON SALEM, NC 27103336-765-5374omfsurgeons.comLinkedIn11-50 employeesmedical practice

Prospect flagsLow returnsHigh assets / participantLow fidelity bond

How to read this page

Total assets (EOY)

$7.3M

+15.7% from 2024

Total participants

+20.0% from 2024

Average account balance

$454,454

+8.5% from 2024

Annual return

10.91%

-4.54 pp from 2024

Benchmarks

See 66,971 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants<25

Cohort66,971 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$7.27M

Not enough data

1 years with asset history on file

Average account balance

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

$454K

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.

88.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$303K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$18K

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

+10.91%

Not enough data

1 years with return on file

Admin fee / account holder

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

$286

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 codes2F2G2E2J2T3B3D

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.
3B
Plan covering self-employed individuals
Plan covering self-employed individuals.
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

3 tripped

OpportunityLow returns
Annual investment return 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).
InformationalHigh assets / participant
Assets per participant exceed $250,000 - top-decile high-value plan.

Expense breakdown

Schedule H Part II

Admin total

$5K

$269 / participant

Other / not subdivided$5K100.0%

% of EOY assets

0.063%

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

$454,454

$174,379+160.6%

$152,093+198.8%

$138,895+227.2%

Participation rate

88.2%

81.6%+6.6pp

77.8%+10.5pp

79.9%+8.3pp

Annual return

10.91%

74.86%-64.0pp

66.36%-55.5pp

145.39%-134.5pp

Employer contribution / active EE

$11,563

$4,652+148.6%

$4,175+177.0%

$4,194+175.7%

Participant deferral / active EE

$6,274

$6,159+1.9%

$5,451+15.1%

$6,396-1.9%

Admin fee / account holder

$286

$16,880-98.3%

$14,497-98.0%

$12,562-97.7%

DRS. PEOPLES, OGHALAI, AND KRUTOY, P.A. 401(K) SAVINGS PLAN AND TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

DRS. PEOPLES, OGHALAI, AND KRUTOY, P.A. 401(K) SAVINGS PLAN AND TRUST

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