Retirement plan

ROUGH ROCK SCHOOL BOARD, INC. 401(K) PLAN

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

ROUGH ROCK SCHOOL BOARD, INC.EIN 86-0204532Plan #002PY 2025

P.O. BOX 680 - CHINLE, AZ 86503928-728-3503LinkedIn201-500 employeeseducation management

Prospect flagsLow returnsLow assets / participantLow participant contribution

How to read this page

Total assets (EOY)

$2.6M

+12.4% from 2024

Total participants

225

-1.3% from 2024

Average account balance

$11,696

+13.9% from 2024

Annual return

7.69%

-2.40 pp from 2024

Benchmarks

See 438 peers

Peer group

Industry61 - Educational Services

Plan typeDefined contribution

Participants100-249

Cohort438 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$2.63M

Not enough data

1 years with asset history on file

Average account balance

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

$12K

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.

225

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.

100.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$350K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$2K

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

+7.69%

Not enough data

1 years with return on file

Admin fee / account holder

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

$185

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 2 by compensation

Provider	Service type	Compensation
BLUE CRAB PARTNERS, LLC3 years Service code 26 · EIN 27-2838217 832 S. JUNIPER LN. · PINETOP, AZ 85935	Advisory (Participants)	$25,891
JOHN HANCOCK LIFE INSURANCE COMPANY10+ years Service code 15 · EIN 01-0233346	Recordkeeping	$1,460

Plan features & details

Pension benefit codes2E2G2J2K3D

Plan features

2E
Profit-sharing
Profit-sharing plan.
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.

Opportunity flags

3 tripped

OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
OpportunityLow assets / participant
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.

Expense breakdown

Schedule H Part II

Admin total

$42K

$185 / participant

Recordkeeping$1K3.5%
Investment mgmt$26K62.1%
Contract admin$14K34.4%

% of EOY assets

1.585%

all-in expense ratio

Categories reported

3 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: N/A - INDIAN TRIBAL GOVERNMENT PLAN
Auditor EIN: 991234567
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$11,696

$67,594-82.7%

$77,361-84.9%

$69,733-83.2%

Participation rate

100.0%

71.7%+28.3pp

75.0%+25.0pp

62.5%+37.5pp

Annual return

7.69%

19.20%-11.5pp

1011.54%-1003.8pp

15.22%-7.5pp

Employer contribution / active EE

$863

$2,649-67.4%

$2,990-71.2%

$2,250-61.7%

Participant deferral / active EE

$692

$3,401-79.6%

$3,911-82.3%

$3,054-77.3%

Admin fee / account holder

$185

$1,159-84.0%

$5,894-96.9%

$3,102-94.0%

Provider

Service type

Compensation

BLUE CRAB PARTNERS, LLC3 years

Service code 26 · EIN 27-2838217

832 S. JUNIPER LN. · PINETOP, AZ 85935

Advisory (Participants)

$25,891

JOHN HANCOCK LIFE INSURANCE COMPANY10+ years

Service code 15 · EIN 01-0233346

Recordkeeping

$1,460

ROUGH ROCK SCHOOL BOARD, INC. 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

ROUGH ROCK SCHOOL BOARD, 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