Retirement plan

SHELTER, INC. EMPLOYEE RETIREMENT 403(B) PLAN

Name: SHELTER, INC. - SHELTER, INC. EMPLOYEE RETIREMENT 403(B) PLAN (2025) Form 5500
Creator: SHELTER, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, SHELTER, INC. EMPLOYEE RETIREMENT 403(B) PLAN, SHELTER, INC.

SHELTER, INC.EIN 68-0117241Plan #001PY 2025

P.O. BOX 5368 - CONCORD, CA 94524925-957-7568shelterinc.orgLinkedIn51-200 employeesnon-profit organization management

Prospect flagsFailed to transmit contributionsCorrective distributions

How to read this page

Total assets (EOY)

$3M

+19.0% from 2024

Total participants

152

-11.1% from 2024

Average account balance

$21,043

+39.6% from 2024

Annual return

15.40%

-9.00 pp from 2024

Benchmarks

See 2,242 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants100-249

Cohort2,242 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$3.03M

Not enough data

1 years with asset history on file

Average account balance

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

$21K

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.

144

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.

93.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$443K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$4K

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

+15.40%

Not enough data

1 years with return on file

Admin fee / account holder

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

$215

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
HICKS PENSION SERVICES2 years Filed as: CENTRAL ADMINISTRATIVE SERVICES INC Service code 13 · EIN 94-2158860	Contract Administrator	$14,127
OSAIC WEALTH INC2 years Filed as: OSAIC WEALTH INC. Service code 27 · EIN 93-0987232	Advisory (Plan)	$9,052
PRINCIPAL LIFE INSURANCE COMPANY5 years Service code 13 · EIN 42-0127290	Contract Administrator	$7,697
CENTRAL ADMINSTRATIVE SERVICES1 year Service code 13	Contract Administrator	$1,122

Plan features & details

Pension benefit codes2A2E2F2G2L2M2S2T3D

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.
2L
Code section 403(b)(1) arrangement
Plan uses a Code section 403(b)(1) annuity contract as a funding vehicle.
2M
Code section 403(b)(7) accounts
Plan uses Code section 403(b)(7) custodial accounts as a funding vehicle.
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

2 tripped

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

$31K

$265 / participant

Investment mgmt$9K29.2%
Contract admin$22K70.4%
Other / not subdivided$1000.3%

% of EOY assets

1.022%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: HOLTHOUSE CARLIN & VAN TRIGT LLP
Auditor EIN: 954345526
Audit fees: $0
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$21,043

$41,016-48.7%

$152,093-86.2%

$64,097-67.2%

Participation rate

93.2%

51.3%+41.8pp

77.8%+15.4pp

55.2%+38.0pp

Annual return

15.40%

39.60%-24.2pp

66.36%-51.0pp

34.64%-19.2pp

Employer contribution / active EE

$819

$1,342-39.0%

$4,175-80.4%

$1,891-56.7%

Participant deferral / active EE

$2,968

$1,927+54.0%

$5,451-45.5%

$3,080-3.6%

Admin fee / account holder

$215

$2,305-90.7%

$14,497-98.5%

$3,454-93.8%

Provider

Service type

Compensation

HICKS PENSION SERVICES2 years

Filed as: CENTRAL ADMINISTRATIVE SERVICES INC

Service code 13 · EIN 94-2158860

Contract Administrator

$14,127

OSAIC WEALTH INC2 years

Filed as: OSAIC WEALTH INC.

Service code 27 · EIN 93-0987232

Advisory (Plan)

$9,052

PRINCIPAL LIFE INSURANCE COMPANY5 years

Service code 13 · EIN 42-0127290

Contract Administrator

$7,697

CENTRAL ADMINSTRATIVE SERVICES1 year

Service code 13

Contract Administrator

$1,122

SHELTER, INC. EMPLOYEE RETIREMENT 403(B) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

SHELTER, INC. EMPLOYEE RETIREMENT 403(B) 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