Retirement plan

WEST COAST EAR NOSE & THROAT, INC. 401(K) PROFIT SHARING PLAN AND TRUST

Name: WEST COAST EAR NOSE & THROAT, INC. - WEST COAST EAR NOSE & THROAT, INC. 401(K) PROFIT SHARING PLAN AND TRUST (2025) Form 5500
Creator: WEST COAST EAR NOSE & THROAT, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, WEST COAST EAR NOSE & THROAT, INC. 401(K) PROFIT SHARING PLAN AND TRUST, WEST COAST EAR NOSE & THROAT, INC.

WEST COAST EAR NOSE & THROAT, INC.EIN 59-3341738Plan #001PY 2025

2515 COUNTRYSIDE BLVD., SUITE E - CLEARWATER, FL 33763727-216-0700

Prospect flagsHigh feesFailed to transmit contributions

How to read this page

Total assets (EOY)

$20.3M

+5.0% from 2024

Total participants

119

+8.2% from 2024

Average account balance

$173,642

-2.2% from 2024

Annual return

14.66%

+2.81 pp from 2024

Benchmarks

See 187 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Cohort187 peers

Snapshot2025

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

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Analytics

Total assets (EOY)

Plan-year ending balance

$20.32M

Not enough data

1 years with asset history on file

Average account balance

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

$174K

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.

117

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.

98.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$770K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$8K

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

+14.66%

Not enough data

1 years with return on file

Admin fee / account holder

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

$644

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

See the 10-year trajectory. $4.99 for your first month.

Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.

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Service providers

Top 3 by compensation

Provider	Service type	Compensation
RAYMOND JAMES FINANCIAL SERVICES2 years Filed as: RAYMOND JAMES & ASSOCIATES INC Service code 27 · EIN 59-1237041	Advisory (Plan)	$45,960
PRINCIPAL LIFE INSURANCE COMPANY2 years Service code 13 · EIN 42-0127290	Contract Administrator	$25,145
NBT BANCORP NA1 year Filed as: NBT BANK, N.A. Service code 13 · EIN 15-0395735	Contract Administrator	$13,092

Plan features & details

Pension benefit codes2A2E2F2G2J2T3D

Plan features

2A
Age/service weighted or new comparability plan
Age/service weighted plan where allocations are based on age service or age and service; or new comparability or similar plan where allocations are based on participant classifications consisting entirely or predominantly of highly compensated employees or the plan provides an additional allocation rate on compensation above a specified threshold that exceeds the permitted disparity limits of Code section 401(l).
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.
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

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

$75K

$761 / participant

Investment mgmt$46K61.0%
Contract admin$29K39.0%

% of EOY assets

0.371%

all-in expense ratio

Categories reported

2 / 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: SKIBBIE CPA INC.
Auditor EIN: 270851321
Audit fees: (not subdivided)
Opinion code: Unqualified

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$173,642

$295,684-41.3%

$154,803+12.2%

Participation rate

98.0%

53.1%+44.9pp

78.1%+19.9pp

Annual return

14.66%

11.49%+3.2pp

58.88%-44.2pp

Employer contribution / active EE

$2,756

$1,145+140.8%

$4,305-36.0%

Participant deferral / active EE

$5,017

$2,052+144.6%

$5,540-9.4%

Admin fee / account holder

$644

$60,072-98.9%

$14,329-95.5%

Provider

Service type

Compensation

RAYMOND JAMES FINANCIAL SERVICES2 years

Filed as: RAYMOND JAMES & ASSOCIATES INC

Service code 27 · EIN 59-1237041

Advisory (Plan)

$45,960

PRINCIPAL LIFE INSURANCE COMPANY2 years

Service code 13 · EIN 42-0127290

Contract Administrator

$25,145

NBT BANCORP NA1 year

Filed as: NBT BANK, N.A.

Service code 13 · EIN 15-0395735

Contract Administrator

$13,092

WEST COAST EAR NOSE & THROAT, INC. 401(K) PROFIT SHARING PLAN AND TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

WEST COAST EAR NOSE & THROAT, INC. 401(K) 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