Retirement plan

SETCO INC. 401(K) PLAN

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

SETCO, INC.EIN 65-1192335Plan #001PY 2025

1803 NW SEMINOLE - IDABEL, OK 747456176580-286-6531

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$4.9M

+28.1% from 2024

Total participants

177

-45.4% from 2024

Average account balance

$31,923

+13.1% from 2024

Annual return

16.14%

+5.18 pp from 2024

Benchmarks

See 981 peers

Peer group

Industry44 - Retail Trade

Plan typeDefined contribution

Participants100-249

Cohort981 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$4.92M

Not enough data

1 years with asset history on file

Average account balance

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

$32K

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.

154

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.

83.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$839K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$6K

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

+16.14%

Not enough data

1 years with return on file

Admin fee / account holder

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

$497

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

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

Service providers

Top 4 by compensation

Provider	Service type	Compensation
VOYA RETIREMENT INSURANCE & ANNUITY3 years Filed as: VOYA RETIREMENT INSUR. & ANNUITY CO Service code 64 · EIN 71-0294708	Recordkeeping Fees	$76,612
ARVEST ASSET MANAGEMENT3 years Filed as: ARVEST WEALTH MANAGEMENT Service code 99 · EIN 71-0794602	Other Fees	$17,660
ARVEST ASSET MANAGEMENT1 year Filed as: ARVEST BANK Service code 99	Other Fees	$4,009
ASCENSUS LLC3 years Filed as: ERISA SERVICES MIDWEST, LLC Service code 49	Other Services	$2,044

Plan features & details

Pension benefit codes2E2F2G2J2S2T3D

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.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
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

$77K

$567 / participant

Contract admin$56K72.5%
Other / not subdivided$21K27.5%

% of EOY assets

1.558%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: UHY LLP
Auditor EIN: 200694403
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$31,923

$65,246-51.1%

$98,716-67.7%

$67,986-53.0%

Participation rate

83.0%

51.4%+31.5pp

69.3%+13.7pp

57.2%+25.8pp

Annual return

16.14%

20.58%-4.4pp

31.81%-15.7pp

31.67%-15.5pp

Employer contribution / active EE

$1,918

$1,042+84.0%

$2,279-15.8%

$2,019-5.0%

Participant deferral / active EE

$4,301

$2,594+65.8%

$4,048+6.2%

$3,358+28.1%

Admin fee / account holder

$497

$4,561-89.1%

$8,703-94.3%

$3,203-84.5%

Provider

Service type

Compensation

VOYA RETIREMENT INSURANCE & ANNUITY3 years

Filed as: VOYA RETIREMENT INSUR. & ANNUITY CO

Service code 64 · EIN 71-0294708

Recordkeeping Fees

$76,612

ARVEST ASSET MANAGEMENT3 years

Filed as: ARVEST WEALTH MANAGEMENT

Service code 99 · EIN 71-0794602

Other Fees

$17,660

ARVEST ASSET MANAGEMENT1 year

Filed as: ARVEST BANK

Service code 99

Other Fees

$4,009

ASCENSUS LLC3 years

Filed as: ERISA SERVICES MIDWEST, LLC

Service code 49

Other Services

$2,044

SETCO INC. 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

SETCO INC. 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