Retirement plan

ST. BERNARDS PHYSICIAN CLINICS INC. RETIREMENT PLAN

Name: ST. BERNARDS PHYSICIANS CLINIC, INC. - ST. BERNARDS PHYSICIAN CLINICS INC. RETIREMENT PLAN (2025) Form 5500
Creator: ST. BERNARDS PHYSICIANS CLINIC, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, ST. BERNARDS PHYSICIAN CLINICS INC. RETIREMENT PLAN, ST. BERNARDS PHYSICIANS CLINIC, INC.

ST. BERNARDS PHYSICIANS CLINIC, INC.EIN 87-1439061Plan #001PY 2025

800 S MAIN ST - JONESBORO, AR 72401870-932-7024

Prospect flagsHigh feesFailed to transmit contributions

How to read this page

Total assets (EOY)

$125.1M

+11.2% from 2024

Total participants

655

-17.8% from 2024

Average account balance

$234,620

+66.2% from 2024

Annual return

13.01%

-10.26 pp from 2024

Benchmarks

See 1,145 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants250-999

Cohort1,145 peers

Snapshot2025

See peer percentile detail. $4.99 for your first month.

Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.

Start for $4.99 See plans

Analytics

Total assets (EOY)

Plan-year ending balance

$125.05M

Not enough data

1 years with asset history on file

Average account balance

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

$235K

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.

533

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.

77.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$6.75M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$13K

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

+13.01%

Not enough data

1 years with return on file

Admin fee / account holder

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

$327

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

See the 4-year trajectory. $4.99 for your first month.

Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.

Start for $4.99 See plans

Service providers

Top 2 by compensation

Provider	Service type	Compensation
FIDELITY INVESTMENTS INSTITUTIONAL1 year Service code 37 · EIN 04-2647786	Loan Processing	$99,227
SIMMONS BANK4+ years Filed as: SIMMONS WEALTH MANAGEMENT Service code 26 · EIN 71-0162300	Advisory (Participants)	$75,000

Plan features & details

Pension benefit codes2A2E2G2J2K3D

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.
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

2 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
ComplianceFailed to transmit contributions
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).

Expense breakdown

Schedule H Part II

Admin total

$174K

$326 / participant

Recordkeeping$62K35.4%
Other / not subdivided$113K64.6%

% of EOY assets

0.139%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

The auditor signed off without reservation. This is the cleanest opinion.

Auditor firm: FORVIS MAZARS LLP
Auditor EIN: 440160260
Audit fees: $0
Opinion code: Unqualified

Look up a plan sponsor by EIN. Free Form 5500 search. No signup.

Metric

This plan

Peer set

Industry

Size

Avg account balance

$234,620

$46,464+405.0%

$150,298+56.1%

$79,634+194.6%

Participation rate

77.2%

57.0%+20.2pp

77.8%-0.6pp

62.5%+14.7pp

Annual return

13.01%

27.89%-14.9pp

62.79%-49.8pp

36.46%-23.4pp

Employer contribution / active EE

$5,484

$1,512+262.8%

$4,154+32.0%

$2,529+116.8%

Participant deferral / active EE

$7,138

$2,157+230.9%

$5,453+30.9%

$3,835+86.1%

Admin fee / account holder

$327

$891-63.3%

$14,116-97.7%

$1,002-67.4%

Provider

Service type

Compensation

FIDELITY INVESTMENTS INSTITUTIONAL1 year

Service code 37 · EIN 04-2647786

Loan Processing

$99,227

SIMMONS BANK4+ years

Filed as: SIMMONS WEALTH MANAGEMENT

Service code 26 · EIN 71-0162300

Advisory (Participants)

$75,000

ST. BERNARDS PHYSICIAN CLINICS INC. RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

ST. BERNARDS PHYSICIAN CLINICS INC. 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