Retirement plan

JACKSONVILLE COUNTRY DAY SCHOOL, INC. 403(B) PLAN

Name: JACKSONVILLE COUNTRY DAY SCHOOL, INC. - JACKSONVILLE COUNTRY DAY SCHOOL, INC. 403(B) PLAN (2025) Form 5500
Creator: JACKSONVILLE COUNTRY DAY SCHOOL, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, JACKSONVILLE COUNTRY DAY SCHOOL, INC. 403(B) PLAN, JACKSONVILLE COUNTRY DAY SCHOOL, INC.

JACKSONVILLE COUNTRY DAY SCHOOL, INC.EIN 59-0905430Plan #001PY 2025

10063 BAYMEADOWS RD. - JACKSONVILLE, FL 32256904-641-6644jcds.comLinkedIn51-200 employeesprimary/secondary education

Prospect flagsLow returnsLow participation

How to read this page

Total assets (EOY)

$12.2M

+9.7% from 2024

Total participants

153

+2.7% from 2024

Average account balance

$101,593

+7.0% from 2024

Annual return

10.66%

-6.48 pp from 2024

Benchmarks

See 879 peers

Peer group

Industry61 - Educational Services

Plan typeDefined contribution

Participants100-249

Cohort879 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$12.19M

Not enough data

1 years with asset history on file

Average account balance

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

$102K

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.

120

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.

68.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$758K

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

+10.66%

Not enough data

1 years with return on file

Admin fee / account holder

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

$49

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 10 by compensation

Provider	Service type	Compensation
OSAIC WEALTH INC1 year Filed as: OSAIC WEALTH, INC. Service code 27	Advisory (Plan)	$19,288
AMERICAN PORTFOLIOS FINANCIAL3 years Filed as: AMERICAN PORTFOLIOS ADVISORS, INC. Service code 27	Advisory (Plan)	$9,039
VOYA RETIREMENT INSURANCE & ANNUITY10+ years Filed as: RELIASTAR LIFE INSURANCE COMPANY Service code 64 · EIN 41-0451140	Recordkeeping Fees	$6,419
BATES & COMPANY, INC.2 years Service code 13 · EIN 59-3465757	Contract Administrator	$5,216
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290	Contract Administrator	$4,379
AMERICAN PORTFOLIOS FINANCIAL2 years Filed as: AMERICAN PORTFOLIOS ADVISORS, INC Service code 27 · EIN 11-3600438	Advisory (Plan)	$0
EQUITABLE ADVISORS LLC4 years Filed as: EQUITABLE FINANCIAL LIFE INS CO Service code 25 · EIN 13-5570651	Directed Trustee	$0
OSAIC WEALTH INC1 year Filed as: OSAIC WEALTH Service code 27 · EIN 93-0987232	Advisory (Plan)	$0
WILSHIRE ASSOCIATES INCORPORATED4 years Filed as: WILSHIRE ADVISORS LLC Service code 27	Advisory (Plan)	$0
WILSHIRE ASSOCIATES INCORPORATED2 years Filed as: WILSHIRE ADVISORS, LLC Service code 27 · EIN 95-2755361	Advisory (Plan)	$0

Plan features & details

Pension benefit codes2F2G2K2L2M3D

Plan features

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.
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.
2L
Code section 403(b)(1) arrangement
Plan uses a Code section 403(b)(1) annuity contract as a funding vehicle.
2M
Code section 403(b)(7) accounts
Plan uses Code section 403(b)(7) custodial accounts as a funding vehicle.
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 participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$6K

$58 / participant

Contract admin$6K100.0%

% of EOY assets

0.049%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: ASSURANCE DIMENSIONS
Auditor EIN: 263429295
Audit fees: $0
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$101,593

$64,705+57.0%

$62,929+61.4%

$67,986+49.4%

Participation rate

68.0%

65.6%+2.4pp

73.1%-5.2pp

57.2%+10.8pp

Annual return

10.66%

20.31%-9.6pp

1063.93%-1053.3pp

31.67%-21.0pp

Employer contribution / active EE

$2,420

$2,376+1.9%

$2,505-3.4%

$2,019+19.9%

Participant deferral / active EE

$4,943

$3,198+54.6%

$3,888+27.1%

$3,358+47.2%

Admin fee / account holder

$49

$1,428-96.5%

$5,065-99.0%

$3,203-98.5%

Provider

Service type

Compensation

OSAIC WEALTH INC1 year

Filed as: OSAIC WEALTH, INC.

Service code 27

Advisory (Plan)

$19,288

AMERICAN PORTFOLIOS FINANCIAL3 years

Filed as: AMERICAN PORTFOLIOS ADVISORS, INC.

Service code 27

Advisory (Plan)

$9,039

VOYA RETIREMENT INSURANCE & ANNUITY10+ years

Filed as: RELIASTAR LIFE INSURANCE COMPANY

Service code 64 · EIN 41-0451140

Recordkeeping Fees

$6,419

BATES & COMPANY, INC.2 years

Service code 13 · EIN 59-3465757

Contract Administrator

$5,216

PRINCIPAL LIFE INSURANCE COMPANY10+ years

Service code 13 · EIN 42-0127290

Contract Administrator

$4,379

AMERICAN PORTFOLIOS FINANCIAL2 years

Filed as: AMERICAN PORTFOLIOS ADVISORS, INC

Service code 27 · EIN 11-3600438

Advisory (Plan)

EQUITABLE ADVISORS LLC4 years

Filed as: EQUITABLE FINANCIAL LIFE INS CO

Service code 25 · EIN 13-5570651

Directed Trustee

OSAIC WEALTH INC1 year

Filed as: OSAIC WEALTH

Service code 27 · EIN 93-0987232

Advisory (Plan)

WILSHIRE ASSOCIATES INCORPORATED4 years

Filed as: WILSHIRE ADVISORS LLC

Service code 27

Advisory (Plan)

WILSHIRE ASSOCIATES INCORPORATED2 years

Filed as: WILSHIRE ADVISORS, LLC

Service code 27 · EIN 95-2755361

Advisory (Plan)

JACKSONVILLE COUNTRY DAY SCHOOL, INC. 403(B) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

JACKSONVILLE COUNTRY DAY SCHOOL, INC. 403(B) 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