Retirement plan

BRIGHT LIGHT EARLY CARE & EDUCATION RETIREMENT PLAN

Name: BRIGHT LIGHT EARLY CARE & EDUCATION - BRIGHT LIGHT EARLY CARE & EDUCATION RETIREMENT PLAN (2025) Form 5500
Creator: BRIGHT LIGHT EARLY CARE & EDUCATION
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, BRIGHT LIGHT EARLY CARE & EDUCATION RETIREMENT PLAN, BRIGHT LIGHT EARLY CARE & EDUCATION

BRIGHT LIGHT EARLY CARE & EDUCATIONEIN 86-2208407Plan #001PY 2025

49 S CASS ST - BATTLE CREEK, MI 49037269-441-2021brightlightece.comLinkedIn11-50 employeeshigher education

Prospect flagsLow assets / participantLow participant contribution

How to read this page

Total assets (EOY)

$92K

+131.8% from 2024

Total participants

+5.3% from 2024

Average account balance

$4,835

+131.8% from 2024

Annual return

90.58%

+81.67 pp from 2024

Benchmarks

See 3,224 peers

Peer group

Industry61 - Educational Services

Plan typeDefined contribution

Participants<25

Cohort3,224 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$92K

Not enough data

1 years with asset history on file

Average account balance

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

$5K

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.

100.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$18K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$925

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

+90.58%

Not enough data

1 years with return on file

Admin fee / account holder

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

$88

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 codes2E2F2G2J2T3D

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

2 tripped

OpportunityLow participant contribution
Participant contribution per participant 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

$2K

$88 / participant

Other / not subdivided$2K100.0%

% of EOY assets

1.827%

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

$4,835

$73,421-93.4%

$66,439-92.7%

$155,188-96.9%

Participation rate

94.7%

79.7%+15.0pp

74.5%+20.2pp

80.8%+13.9pp

Annual return

90.58%

1382.37%-1291.8pp

757.66%-667.1pp

148.84%-58.3pp

Employer contribution / active EE

$237

$3,039-92.2%

$2,637-91.0%

$4,248-94.4%

Participant deferral / active EE

$688

$4,680-85.3%

$3,876-82.3%

$6,531-89.5%

Admin fee / account holder

$88

$8,856-99.0%

$6,173-98.6%

$14,480-99.4%

BRIGHT LIGHT EARLY CARE & EDUCATION RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

BRIGHT LIGHT EARLY CARE & EDUCATION RETIREMENT 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