Retirement plan

WEST TENNESSEE BONE & JOINT CLINIC, P.C. PROFIT SHARING PLAN

Name: WEST TENNESSEE BONE & JOINT INSTITUTE - WEST TENNESSEE BONE & JOINT CLINIC, P.C. PROFIT SHARING PLAN (2025) Form 5500
Creator: WEST TENNESSEE BONE & JOINT INSTITUTE
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, WEST TENNESSEE BONE & JOINT CLINIC, P.C. PROFIT SHARING PLAN, WEST TENNESSEE BONE & JOINT INSTITUTE

WEST TENNESSEE BONE & JOINT INSTITUTEEIN 62-0913372Plan #002PY 2025

50 CAPITAL AVENUE - JACKSON, TN 38305731-661-9825

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$46.3M

+18.4% from 2024

Total participants

254

+0.4% from 2024

Average account balance

$182,841

+18.4% from 2024

Annual return

16.16%

+1.72 pp from 2024

Benchmarks

See 3,389 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants100-249

Cohort3,389 peers

Snapshot2025

See peer percentile detail. $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.

Start for $4.99 See plans

Analytics

Total assets (EOY)

Plan-year ending balance

$46.26M

Not enough data

1 years with asset history on file

Average account balance

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

$183K

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.

253

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.

99.5%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$2.18M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$10K

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

+16.16%

Not enough data

1 years with return on file

Admin fee / account holder

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

$489

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.

Start for $4.99 See plans

Service providers

Top 4 by compensation

Provider	Service type	Compensation
MERCER1 year Filed as: MERCER GLOBAL ADVISORS, INC. Service code 27 950 17TH ST. · DENVER, CO 80202	Advisory (Plan)	$39,301
FINANCIAL PARTNERS GROUP, LLC6 years Service code 27 607 COMMONS DR. · GALLATIN, TN 370666318	Advisory (Plan)	$37,210
AMERICAN FUNDS7 years Filed as: CAPITAL GROUP RETIREMENT PLAN SERVI Service code 64 6455 IRVINE CENTER DRIVE · IRVINE, CA 92618	Recordkeeping Fees	$32,587
SHERIDAN ROAD ADVISORS LLC7 years Filed as: HUB INTERNATIONAL GULF SOUTH LIMITE Service code 13 3510 N. CAUSEWAY BLVD., STE. 300 · METAIRIE, LA 700023531	Contract Administrator	$4,162

Plan features & details

Pension benefit codes2A2E2F2G2J2K2R2T3D

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.
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.
2R
Participant-directed brokerage accounts
Participant-directed brokerage accounts provided as an investment option under the plan.
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

1 tripped

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

Expense breakdown

Schedule H Part II

Admin total

$124K

$584 / participant

Recordkeeping$43K34.8%
Investment mgmt$77K61.8%
Contract admin$4K3.4%

% of EOY assets

0.267%

all-in expense ratio

Categories reported

3 / 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: THE AMERICAN AUDITORS GROUP, LLC
Auditor EIN: 814229648
Audit fees: (not subdivided)
Opinion code: Unqualified

Look up a plan sponsor by EIN. Free Form 5500 search. No signup.

Metric

This plan

Peer set

Industry

Size

Avg account balance

$182,841

$49,915+266.3%

$154,803+18.1%

$74,304+146.1%

Participation rate

99.5%

54.0%+45.6pp

78.1%+21.5pp

60.3%+39.2pp

Annual return

16.16%

34.06%-17.9pp

58.88%-42.7pp

29.43%-13.3pp

Employer contribution / active EE

$5,040

$1,611+212.8%

$4,305+17.1%

$2,241+124.9%

Participant deferral / active EE

$5,239

$2,255+132.4%

$5,540-5.4%

$3,767+39.1%

Admin fee / account holder

$489

$2,189-77.7%

$14,329-96.6%

$2,969-83.5%

Provider

Service type

Compensation

MERCER1 year

Filed as: MERCER GLOBAL ADVISORS, INC.

Service code 27

950 17TH ST. · DENVER, CO 80202

Advisory (Plan)

$39,301

FINANCIAL PARTNERS GROUP, LLC6 years

Service code 27

607 COMMONS DR. · GALLATIN, TN 370666318

Advisory (Plan)

$37,210

AMERICAN FUNDS7 years

Filed as: CAPITAL GROUP RETIREMENT PLAN SERVI

Service code 64

6455 IRVINE CENTER DRIVE · IRVINE, CA 92618

Recordkeeping Fees

$32,587

SHERIDAN ROAD ADVISORS LLC7 years

Filed as: HUB INTERNATIONAL GULF SOUTH LIMITE

Service code 13

3510 N. CAUSEWAY BLVD., STE. 300 · METAIRIE, LA 700023531

Contract Administrator

$4,162

WEST TENNESSEE BONE & JOINT CLINIC, P.C. PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

WEST TENNESSEE BONE & JOINT CLINIC, P.C. PROFIT SHARING 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