Retirement plan

COLDWATER VENEER, INC. 401(K) PLAN PROFIT SHARING PLAN

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

COLDWATER VENEER, INC.EIN 82-4262380Plan #001PY 2025

548 RACE STREET - COLDWATER, MI 49036517-278-5676coldwaterveneer.comLinkedIn51-200 employeespaper & forest products

Prospect flagsLow participationLow employer contributionLow participant contribution

How to read this page

Total assets (EOY)

$6.9M

+4.6% from 2024

Total participants

991

+11.1% from 2024

Average account balance

$46,200

+5.3% from 2024

Annual return

10.72%

+5.62 pp from 2024

Benchmarks

See 246 peers

Peer group

Industry33 - Manufacturing

Plan typeDefined contribution

Participants250-999

Cohort246 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$6.93M

Not enough data

1 years with asset history on file

Average account balance

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

$46K

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.

150

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.

11.3%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$409K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$431

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

+10.72%

Not enough data

1 years with return on file

Admin fee / account holder

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

$106

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

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Service providers

Top 5 by compensation

Provider	Service type	Compensation
PRINCIPAL LIFE INSURANCE COMPANY8+ years Filed as: PRINCIPAL FINANCIAL GROUP Service code 13 · EIN 42-0127290	Contract Administrator	$12,235
SIDE BY SIDE FINANCIALS, INC.6 years Filed as: SIDE BY SIDE FINANCIALS, LLC Service code 13	Contract Administrator	$8,359
ORENDA RETIREMENT, LLC5 years Service code 13 · EIN 36-4877979	Contract Administrator	$5,650
SIDE BY SIDE FINANCIALS, INC.6 years Service code 13 · EIN 27-3232902	Contract Administrator	$0
WILSHIRE ASSOCIATES INCORPORATED8+ years Filed as: WILSHIRE ASSOCIATES INC Service code 27 · EIN 95-2755361	Advisory (Plan)	$0

Plan features & details

Pension benefit codes2E2J2K2F2G3D3H

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.
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.
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.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

3 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
OpportunityLow employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$16K

$17 / participant

Contract admin$16K100.0%

% of EOY assets

0.230%

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: TRAILBREAKER ACCOUNTING PLLC
Auditor EIN: 393265760
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$46,200

$99,442-53.5%

$113,397-59.3%

$71,012-34.9%

Participation rate

11.3%

78.9%-67.6pp

76.5%-65.2pp

58.6%-47.3pp

Annual return

10.72%

17.93%-7.2pp

23.20%-12.5pp

37.67%-26.9pp

Employer contribution / active EE

$77

$3,068-97.5%

$2,977-97.4%

$2,348-96.7%

Participant deferral / active EE

$354

$4,915-92.8%

$5,076-93.0%

$3,246-89.1%

Admin fee / account holder

$106

$535-80.1%

$11,957-99.1%

$1,167-90.9%

Provider

Service type

Compensation

PRINCIPAL LIFE INSURANCE COMPANY8+ years

Filed as: PRINCIPAL FINANCIAL GROUP

Service code 13 · EIN 42-0127290

Contract Administrator

$12,235

SIDE BY SIDE FINANCIALS, INC.6 years

Filed as: SIDE BY SIDE FINANCIALS, LLC

Service code 13

Contract Administrator

$8,359

ORENDA RETIREMENT, LLC5 years

Service code 13 · EIN 36-4877979

Contract Administrator

$5,650

SIDE BY SIDE FINANCIALS, INC.6 years

Service code 13 · EIN 27-3232902

Contract Administrator

WILSHIRE ASSOCIATES INCORPORATED8+ years

Filed as: WILSHIRE ASSOCIATES INC

Service code 27 · EIN 95-2755361

Advisory (Plan)

COLDWATER VENEER, INC. 401(K) PLAN PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

COLDWATER VENEER, INC. 401(K) PLAN 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