Filings through Oct 24, 2026.

Retirement plan

Ripa and Associates, LLC 401(k) Profit Sharing Plan

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

Ripa and Associates, LLCEIN 59-3497167Plan #001PY 2025

1409 TECH BLVD, SUITE 1 - TAMPA, FL 33619813-623-6777LinkedIn1-10 employeesmental health care

Prospect flagsLow participationFailed to transmit contributionsCorrective distributionsFew collective trustsFund lineup: 6 funds, $14.9M

How to read this page

Total assets (EOY)

$19.4M

+26.7% from 2024

Total participants

869

+16.2% from 2024

Average account balance

$46,556

+13.0% from 2024

Annual return

15.96%

+3.95 pp from 2024

Benchmarks

See 1,601 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants250-999

Cohort1,601 peers

Snapshot2025

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Analytics

See the 10-year trajectory with Solo.

Service providers

Top 1 by compensation

Provider	Service type	Compensation
STANCORP FINANCIAL GROUP2 years Service code 12 · EIN 93-1253576	Direct payment from the plan; Recordk...	$29,445

Fund lineup

CSV with Pro

6 funds of $250K or more; 28 lines in all, holding $14.9M of the plan's $15.3M. From the 2024 filing. Recordkeeper: Minnesota Life Insurance.

In collective trusts0%median 0% for plans of $5M to $50M (35,181 plans)

In index funds90%median 21% for plans of $5M to $50M (35,181 plans)

In the main target-date series0%median 36% for plans of $5M to $50M (35,181 plans)

Employer stockNo

Fund	Manager	Vehicle	Dollars	% of funds%
Minnesota Life Insurance Company Securian AM S&P 500 Index Securian · Insurance contract Index	Securian	Insurance contract	$5.8M	38.6%
Minnesota Life Insurance Co. Tiaa-Cref International Equity Index Fund Instl TIAA (Nuveen) · Insurance contract Index	TIAA (Nuveen)	Insurance contract	$3.1M	20.6%
Minnesota Life Insurance Co. Vanguard Small-CAP IDX ADM Vanguard · Insurance contract Index	Vanguard	Insurance contract	$2.1M	14.4%
Minnesota Life Insurance Co. Vanguard Interim-Term Bond Index Adm Vanguard · Insurance contract Index	Vanguard	Insurance contract	$1.4M	9.3%
Minnesota Life Insurance Co. BlackRock Strategic Income Opportunities Portfolio; Institutional BlackRock · Insurance contract	BlackRock	Insurance contract	$847K	5.7%
Minnesota Life Insurance Co. Vanguard TOT Bond MKT IDX ADM Vanguard · Insurance contract Index	Vanguard	Insurance contract	$696K	4.7%
JPMorgan Large Cap Growth Minnesota Life Insurance Co. JPMorgan · Insurance contract	JPMorgan	Insurance contract	$198K	1.3%
Minnesota Life Insurance Co. Vanguard TOT STK MK IDX ADM Vanguard · Insurance contract Index	Vanguard	Insurance contract	$104K	0.7%
Minnesota Life Insurance Co. Fidelity Emerging Markets Index Fund Fidelity (FMR) · Insurance contract Index	Fidelity (FMR)	Insurance contract	$101K	0.7%
Minnesota Life Insurance Company Vanguard Mid Cap Index Admiral Vanguard · Insurance contract Index	Vanguard	Insurance contract	$95K	0.6%

See the other 18 lines in this lineup with Solo.

Covers 61,314 large plans that list their funds in their annual filing. Updated Nov 2, 2026. Shares describe these plans, not the whole market.

Plan features & details

Pension benefit codes3D2E2F2G2J2K2T3H

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.
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

3 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).
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$34K

$42 / participant

Contract admin$34K100.0%

% of EOY assets

0.174%

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: RG & CO
Auditor EIN: 593040705
Audit fees: (not subdivided)
Opinion code: Unqualified

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Provider

Service type

Compensation

STANCORP FINANCIAL GROUP2 years

Service code 12 · EIN 93-1253576

Direct payment from the plan; Recordk...

$29,445

Fund

Dollars

% of funds%

Minnesota Life Insurance Company Securian AM S&P 500 Index

Securian · Insurance contract

Index

$5.8M

38.6%

Minnesota Life Insurance Co. Tiaa-Cref International Equity Index Fund Instl

TIAA (Nuveen) · Insurance contract

Index

$3.1M

20.6%

Minnesota Life Insurance Co. Vanguard Small-CAP IDX ADM

Vanguard · Insurance contract

Index

$2.1M

14.4%

Minnesota Life Insurance Co. Vanguard Interim-Term Bond Index Adm

Vanguard · Insurance contract

Index

$1.4M

9.3%

Minnesota Life Insurance Co. BlackRock Strategic Income Opportunities Portfolio; Institutional

BlackRock · Insurance contract

$847K

5.7%

Minnesota Life Insurance Co. Vanguard TOT Bond MKT IDX ADM

Vanguard · Insurance contract

Index

$696K

4.7%

JPMorgan Large Cap Growth Minnesota Life Insurance Co.

JPMorgan · Insurance contract

$198K

1.3%

Minnesota Life Insurance Co. Vanguard TOT STK MK IDX ADM

Vanguard · Insurance contract

Index

$104K

0.7%

Minnesota Life Insurance Co. Fidelity Emerging Markets Index Fund

Fidelity (FMR) · Insurance contract

Index

$101K

0.7%

Minnesota Life Insurance Company Vanguard Mid Cap Index Admiral

Vanguard · Insurance contract

Index

$95K

0.6%

Ripa and Associates, LLC 401(k) Profit Sharing Plan

Summary metrics

Benchmarksi

Analytics

Service providersi

Fund lineupi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Ripa and Associates, LLC 401(k) Profit Sharing Plan

Summary metrics

Benchmarksi

Analytics

Service providersi

Fund lineupi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Fund lineup

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Fund lineup

Opportunity flags

Expense breakdown

Audit opinion