Retirement plan

UTAH ASSOCIATION OF PUBLIC CHARTER SCHOOLS RETIREMENT PLAN

Name: UTAH ASSOCIATION OF PUBLIC CHARTER SCHOOLS - UTAH ASSOCIATION OF PUBLIC CHARTER SCHOOLS RETIREMENT PLAN (2025) Form 5500
Creator: UTAH ASSOCIATION OF PUBLIC CHARTER SCHOOLS
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, UTAH ASSOCIATION OF PUBLIC CHARTER SCHOOLS RETIREMENT PLAN, UTAH ASSOCIATION OF PUBLIC CHARTER SCHOOLS

UTAH ASSOCIATION OF PUBLIC CHARTER SCHOOLSEIN 56-2429582Plan #001PY 2025

PO BOX 576 - AMERICAN FORK, UT 84003801-318-0911utahcharters.orgLinkedIn1-10 employeeseducation management

Prospect flagsLow participationFailed to transmit contributions

How to read this page

Total assets (EOY)

$47.3M

+20.7% from 2024

Total participants

2,719

+7.6% from 2024

Average account balance

$31,749

+12.6% from 2024

Annual return

14.03%

-0.47 pp from 2024

Benchmarks

See 390 peers

Peer group

Industryany (size+type match)

Plan typeDefined contribution

Participants1,000-4,999

Cohort390 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$47.34M

Not enough data

1 years with asset history on file

Average account balance

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

$32K

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.

1,491

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.

44.9%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$6.05M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$3K

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

+14.03%

Not enough data

1 years with return on file

Admin fee / account holder

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

$187

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 4 by compensation

Provider	Service type	Compensation
ABLE WEALTH MANAGEMENT LLC2 years Filed as: ABLE & STRONG ADVISORS Service code 26 · EIN 20-0097878	Advisory (Participants)	$143,813
NWPS6 years Filed as: NWPS, INC. Service code 15 · EIN 91-1526584	Recordkeeping	$100,143
SMITH & HOWARD, PC1 year Service code 10 · EIN 58-1250486	Accounting	$23,000
MATRIX TRUST COMPANY5 years Service code 18 · EIN 75-3182674	Custodial (other than securities); Tr...	$11,270

Plan features & details

Pension benefit codes2E2F2G2J2K2T2U

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.
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.
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.

Opportunity flags

2 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
ComplianceFailed to transmit contributions
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).

Expense breakdown

Schedule H Part II

Admin total

$278K

$125 / participant

Recordkeeping$100K36.0%
Trustee / custodial$11K4.1%
Investment mgmt$144K51.7%
Other / not subdivided$23K8.3%

% of EOY assets

0.588%

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: SMITH & HOWARD, PC
Auditor EIN: 581250486
Audit fees: $23,000
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$31,749

$83,436-61.9%

$66,439-52.2%

$83,436-61.9%

Participation rate

44.9%

73.2%-28.3pp

74.5%-29.6pp

73.2%-28.3pp

Annual return

14.03%

19.34%-5.3pp

757.66%-743.6pp

19.34%-5.3pp

Employer contribution / active EE

$1,466

$4,072-64.0%

$2,637-44.4%

$4,072-64.0%

Participant deferral / active EE

$1,249

$3,411-63.4%

$3,876-67.8%

$3,411-63.4%

Admin fee / account holder

$187

$265-29.7%

$6,173-97.0%

$265-29.7%

Provider

Service type

Compensation

ABLE WEALTH MANAGEMENT LLC2 years

Filed as: ABLE & STRONG ADVISORS

Service code 26 · EIN 20-0097878

Advisory (Participants)

$143,813

NWPS6 years

Filed as: NWPS, INC.

Service code 15 · EIN 91-1526584

Recordkeeping

$100,143

SMITH & HOWARD, PC1 year

Service code 10 · EIN 58-1250486

Accounting

$23,000

MATRIX TRUST COMPANY5 years

Service code 18 · EIN 75-3182674

Custodial (other than securities); Tr...

$11,270

UTAH ASSOCIATION OF PUBLIC CHARTER SCHOOLS RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

UTAH ASSOCIATION OF PUBLIC CHARTER SCHOOLS RETIREMENT 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