Retirement plan

PONTOTOC ELECTRIC POWER ASSOCIATION 401(K) PLAN

Name: PONTOTOC ELECTRIC POWER ASSOCIATION - PONTOTOC ELECTRIC POWER ASSOCIATION 401(K) PLAN (2025) Form 5500
Creator: PONTOTOC ELECTRIC POWER ASSOCIATION
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, PONTOTOC ELECTRIC POWER ASSOCIATION 401(K) PLAN, PONTOTOC ELECTRIC POWER ASSOCIATION

PONTOTOC ELECTRIC POWER ASSOCIATIONEIN 64-0224230Plan #002PY 2025

P.O. BOX 718 - PONTOTOC, MS 388630718662-489-3211LinkedIn51-200 employeesutilities

Other plans on this EIN

1 filing

#001Retirement-$13.4M assets

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$1.6M

-8.8% from 2024

Total participants

104

-2.8% from 2024

Average account balance

$21,614

-4.0% from 2024

Annual return

12.33%

-3.22 pp from 2024

Benchmarks

See 7,878 peers

Peer group

Industryany (size+type match)

Plan typeDefined contribution

Participants100-249

Cohort7,878 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$1.64M

Not enough data

1 years with asset history on file

Average account balance

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

$22K

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.

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.

73.1%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$99K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$951

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

+12.33%

Not enough data

1 years with return on file

Admin fee / account holder

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

$6402

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

0 years with F_SCH_H allocation on file

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

Service providers

Providers data not reported

Schedule C was not filed on this plan's most recent Form 5500, so no compensated service providers are available to display.

Plan features & details

Pension benefit codes2E2F2G2J2T3D

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.
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

$487K

$4678 / participant

Other / not subdivided$487K100.0%

% of EOY assets

29.618%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

No opinion code on file for this filing.

Auditor firm: (not reported)
Auditor EIN: -
Audit fees: (not subdivided)
Opinion code: -

Metric

This plan

Peer set

Industry

Size

Avg account balance

$21,614

$64,340-66.4%

$118,106-81.7%

$64,340-66.4%

Participation rate

73.1%

55.2%+17.8pp

81.9%-8.8pp

55.2%+17.8pp

Annual return

12.33%

24.14%-11.8pp

19.44%-7.1pp

24.14%-11.8pp

Employer contribution / active EE

$1,862-100.0%

$4,698-100.0%

$1,862-100.0%

Participant deferral / active EE

$951

$2,980-68.1%

$6,619-85.6%

$2,980-68.1%

Admin fee / account holder

$6,402

$3,703+72.9%

$8,973-28.7%

$3,703+72.9%

PONTOTOC ELECTRIC POWER ASSOCIATION 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

PONTOTOC ELECTRIC POWER ASSOCIATION 401(K) 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