Retirement plan

CLINE DESIGN ASSOCIATES PA 401K PROFIT SHARING PLAN AND TRUST

Name: CLINE DESIGN ASSOCIATES PA - CLINE DESIGN ASSOCIATES PA 401K PROFIT SHARING PLAN AND TRUST (2025) Form 5500
Creator: CLINE DESIGN ASSOCIATES PA
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CLINE DESIGN ASSOCIATES PA 401K PROFIT SHARING PLAN AND TRUST, CLINE DESIGN ASSOCIATES PA

CLINE DESIGN ASSOCIATES PAEIN 56-1664790Plan #001PY 2025

125 N HARRINGTON STREET - RALEIGH, NC 27603919-833-6413

Other plans on this EIN

1 filing

#002Retirement-$5.1M assets

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$12.5M

+15.9% from 2024

Total participants

167

+13.6% from 2024

Average account balance

$80,686

+9.9% from 2024

Annual return

19.37%

+5.52 pp from 2024

Benchmarks

See 2,035 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants100-249

Cohort2,035 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$12.51M

Not enough data

1 years with asset history on file

Average account balance

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

$81K

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.

155

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.

90.6%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.30M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$10K

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

+19.37%

Not enough data

1 years with return on file

Admin fee / account holder

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

$433

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

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

Service providers

Top 3 by compensation

Provider	Service type	Compensation
MORGAN STANLEY SMITH BARNEY5 years Service code 15 · EIN 20-8764829	Recordkeeping	$48,626
ADP BROKER-DEALER6 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745	Recordkeeping	$13,334
ADP BROKER-DEALER6 years Service code 49 · EIN 22-3319984	Other Services	$0

Plan features & details

Pension benefit codes2E2F2G2J2S2T3D

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.
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.

Opportunity flags

1 tripped

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

Expense breakdown

Schedule H Part II

Admin total

$67K

$529 / participant

Recordkeeping$13K19.9%
Investment mgmt$54K80.1%
Contract admin$190.0%

% of EOY assets

0.537%

all-in expense ratio

Categories reported

3 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: MELISSA G. CRITCHER CPA PC
Auditor EIN: 271654932
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$80,686

$88,360-8.7%

$145,433-44.5%

$67,986+18.7%

Participation rate

90.6%

65.5%+25.1pp

82.1%+8.4pp

57.2%+33.3pp

Annual return

19.37%

63.15%-43.8pp

66.58%-47.2pp

31.67%-12.3pp

Employer contribution / active EE

$2,313

$3,054-24.3%

$4,554-49.2%

$2,019+14.6%

Participant deferral / active EE

$7,941

$5,932+33.9%

$7,897+0.6%

$3,358+136.5%

Admin fee / account holder

$433

$3,313-86.9%

$13,129-96.7%

$3,203-86.5%

Provider

Service type

Compensation

MORGAN STANLEY SMITH BARNEY5 years

Service code 15 · EIN 20-8764829

Recordkeeping

$48,626

ADP BROKER-DEALER6 years

Filed as: ADP, INC.

Service code 15 · EIN 13-3036745

Recordkeeping

$13,334

ADP BROKER-DEALER6 years

Service code 49 · EIN 22-3319984

Other Services

CLINE DESIGN ASSOCIATES PA 401K PROFIT SHARING PLAN AND TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CLINE DESIGN ASSOCIATES PA 401K PROFIT SHARING 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