Retirement plan

MISSISSIPPI RURAL WATER ASSOCIATION

Name: MISSISSIPPI RURAL WATER ASSOCIATION - MISSISSIPPI RURAL WATER ASSOCIATION (2025) Form 5500
Creator: MISSISSIPPI RURAL WATER ASSOCIATION
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, MISSISSIPPI RURAL WATER ASSOCIATION, MISSISSIPPI RURAL WATER ASSOCIATION

MISSISSIPPI RURAL WATER ASSOCIATIONEIN 64-0610464Plan #001PY 2025

172 COUNTRY PLACE PARKWAY - PEARL, MS 39208601-857-2433msrwa.orgLinkedIn1-10 employeesutilities

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$3.4M

+0.2% from 2024

Total participants

0.0% from 2024

Average account balance

$154,376

+0.2% from 2024

Annual return

14.86%

+5.87 pp from 2024

Benchmarks

See 1,557 peers

Peer group

Industry22 - Utilities

Plan typeDefined contribution

Participants<25

Cohort1,557 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$3.40M

Not enough data

1 years with asset history on file

Average account balance

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

$154K

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.

110.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$227K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$11K

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

+14.86%

Not enough data

1 years with return on file

Admin fee / account holder

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

$33672

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 codes2E3D2G2J2F2T

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

$741K

$37039 / participant

Other / not subdivided$741K100.0%

% of EOY assets

21.812%

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

$154,376

$95,959+60.9%

$97,411+58.5%

$138,895+11.1%

Participation rate

100.0%

81.8%+18.2pp

80.4%+19.6pp

79.9%+20.1pp

Annual return

14.86%

29.30%-14.4pp

34.72%-19.9pp

145.39%-130.5pp

Employer contribution / active EE

$7,994

$4,278+86.9%

$4,210+89.9%

$4,194+90.6%

Participant deferral / active EE

$3,367

$5,876-42.7%

$5,886-42.8%

$6,396-47.4%

Admin fee / account holder

$33,672

$7,555+345.7%

$7,145+371.3%

$12,562+168.0%

MISSISSIPPI RURAL WATER ASSOCIATION

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

MISSISSIPPI RURAL WATER ASSOCIATION

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