Retirement plan

PHILBROOK & ASSOCIATES BOOKKEEPING 401(K) PLAN

Name: TROUT AND OAK LLC DBA PHILBROOK AND ASSOCIATES - PHILBROOK & ASSOCIATES BOOKKEEPING 401(K) PLAN (2025) Form 5500
Creator: TROUT AND OAK LLC DBA PHILBROOK AND ASSOCIATES
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, PHILBROOK & ASSOCIATES BOOKKEEPING 401(K) PLAN, TROUT AND OAK LLC DBA PHILBROOK AND ASSOCIATES

TROUT AND OAK LLC DBA PHILBROOK AND ASSOCIATESEIN 87-2824118Plan #001PY 2025

17 WALNUT STREET STE 101 - ROCKLAND, ME 048412718207-594-9460

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$1.6M

+3.7% from 2024

Total participants

-8.6% from 2024

Average account balance

$53,755

+3.7% from 2024

Annual return

14.37%

-1.36 pp from 2024

Benchmarks

See 11,128 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants25-99

Cohort11,128 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$1.61M

Not enough data

1 years with asset history on file

Average account balance

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

$54K

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.

111.1%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$189K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$7K

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

+14.37%

Not enough data

1 years with return on file

Admin fee / account holder

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

$11872

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

1 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)

Expense breakdown

Schedule H Part II

Admin total

$356K

$13192 / participant

Other / not subdivided$356K100.0%

% of EOY assets

22.086%

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

$53,755

$106,524-49.5%

$152,301-64.7%

$87,485-38.6%

Participation rate

92.6%

75.8%+16.8pp

82.4%+10.1pp

68.9%+23.7pp

Annual return

14.37%

26.89%-12.5pp

80.50%-66.1pp

26.06%-11.7pp

Employer contribution / active EE

$2,078

$3,371-38.4%

$4,624-55.1%

$2,596-20.0%

Participant deferral / active EE

$4,929

$6,525-24.5%

$8,004-38.4%

$4,274+15.3%

Admin fee / account holder

$11,872

$8,287+43.3%

$14,398-17.5%

$7,775+52.7%

PHILBROOK & ASSOCIATES BOOKKEEPING 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

PHILBROOK & ASSOCIATES BOOKKEEPING 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