Retirement plan

LIGHTHOUSE CENTRAL FLORIDA, INC. RETIREMENT SAVINGS PLAN

Name: LIGHTHOUSE CENTRAL FLORIDA, INC. - LIGHTHOUSE CENTRAL FLORIDA, INC. RETIREMENT SAVINGS PLAN (2025) Form 5500
Creator: LIGHTHOUSE CENTRAL FLORIDA, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, LIGHTHOUSE CENTRAL FLORIDA, INC. RETIREMENT SAVINGS PLAN, LIGHTHOUSE CENTRAL FLORIDA, INC.

LIGHTHOUSE CENTRAL FLORIDA, INC.EIN 59-2418228Plan #001PY 2025

2500 KUNZE AVENUE - ORLANDO, FL 32806407-898-2483lighthousecfl.orgLinkedIn11-50 employeesnon-profit organization management

Prospect flagsLow returnsLow employer contributionLow fidelity bondFailed to transmit contributions

How to read this page

Total assets (EOY)

$3.3M

-6.7% from 2024

Total participants

341

-9.3% from 2024

Average account balance

$10,073

-5.0% from 2024

Annual return

11.83%

-10.69 pp from 2024

Benchmarks

See 2,787 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants100-249

Cohort2,787 peers

Snapshot2025

See peer percentile detail. $4.99 for your first month.

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Analytics

Total assets (EOY)

Plan-year ending balance

$3.25M

Not enough data

1 years with asset history on file

Average account balance

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

$10K

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.

323

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.

92.6%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$380K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$2K

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

+11.83%

Not enough data

1 years with return on file

Admin fee / account holder

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

$205

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

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Service providers

Top 5 by compensation

Provider	Service type	Compensation
GREAT-WEST LIFE & ANNUITY INSURANCE4 years Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Recordkeeping Fees	$21,385
LARSON FINANCIAL GROUP LLC2 years Filed as: LARSON ALLEN LLP Service code 10 P.O. BOX 829709 · PHILADELPHIA, PA 19182	Accounting	$16,101
KESTRA INVESTMENT SERVICES LLC4 years Filed as: KESTRA ADVISORY SERVICES LLC Service code 27 5707 SWST PRKWY BLDG 2 · AUSTIN, TX 78735	Advisory (Plan)	$15,212
CARPENTER MORSE GROUP4 years Service code 13 2170 W STATE RD 434 STE 280 · LONGWOOD, FL 32779	Contract Administrator	$11,900
GREAT-WEST LIFE & ANNUITY INSURANCE3 years Filed as: EMPOWER ADVISORY GROUP LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Investment Management	$1,499

Plan features & details

Pension benefit codes2E2F2G2J2K2S2T3D3H

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.
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.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

4 tripped

OpportunityLow employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.
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).
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

$66K

$272 / participant

Contract admin$66K100.0%

% of EOY assets

2.032%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

The auditor signed off without reservation. This is the cleanest opinion.

Auditor firm: CLIFTONLARSONALLEN, LLP
Auditor EIN: 410746749
Audit fees: (not subdivided)
Opinion code: Unqualified

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$10,073

$45,343-77.8%

$150,298-93.3%

$67,986-85.2%

Participation rate

92.6%

51.9%+40.7pp

77.8%+14.8pp

57.2%+35.4pp

Annual return

11.83%

33.28%-21.5pp

62.79%-51.0pp

31.67%-19.8pp

Employer contribution / active EE

$161

$1,462-89.0%

$4,154-96.1%

$2,019-92.0%

Participant deferral / active EE

$1,402

$2,055-31.8%

$5,453-74.3%

$3,358-58.3%

Admin fee / account holder

$205

$2,250-90.9%

$14,116-98.6%

$3,203-93.6%

Provider

Service type

Compensation

GREAT-WEST LIFE & ANNUITY INSURANCE4 years

Filed as: EMPOWER ANNUITY INSURANCE COMPANY

Service code 64

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Recordkeeping Fees

$21,385

LARSON FINANCIAL GROUP LLC2 years

Filed as: LARSON ALLEN LLP

Service code 10

P.O. BOX 829709 · PHILADELPHIA, PA 19182

Accounting

$16,101

KESTRA INVESTMENT SERVICES LLC4 years

Filed as: KESTRA ADVISORY SERVICES LLC

Service code 27

5707 SWST PRKWY BLDG 2 · AUSTIN, TX 78735

Advisory (Plan)

$15,212

CARPENTER MORSE GROUP4 years

Service code 13

2170 W STATE RD 434 STE 280 · LONGWOOD, FL 32779

Contract Administrator

$11,900

GREAT-WEST LIFE & ANNUITY INSURANCE3 years

Filed as: EMPOWER ADVISORY GROUP LLC

Service code 28

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Investment Management

$1,499

LIGHTHOUSE CENTRAL FLORIDA, INC. RETIREMENT SAVINGS PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

LIGHTHOUSE CENTRAL FLORIDA, INC. RETIREMENT SAVINGS 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