Retirement plan

CULINARY AND BARTENDERS 401(K) PLAN

Name: TRUSTEES OF THE CULINARY AND BARTENDERS 401(K) TRUST - CULINARY AND BARTENDERS 401(K) PLAN (2025) Form 5500
Creator: TRUSTEES OF THE CULINARY AND BARTENDERS 401(K) TRUST
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CULINARY AND BARTENDERS 401(K) PLAN, TRUSTEES OF THE CULINARY AND BARTENDERS 401(K) TRUST

TRUSTEES OF THE CULINARY AND BARTENDERS 401(K) TRUSTEIN 88-0478833Plan #001PY 2025

5241 SPRING MOUNTAIN ROAD - LAS VEGAS, NV 89146702-385-2131

Prospect flagsLow participationLow employer contributionLow participant contributionFailed to transmit contributions

How to read this page

Total assets (EOY)

$288.1M

+17.1% from 2024

Total participants

142,849

+12.6% from 2024

Average account balance

$51,551

+13.8% from 2024

Annual return

15.49%

-1.61 pp from 2024

Benchmarks

See 366 peers

Peer group

Industryany (size+type match)

Plan typeDefined contribution

Participants>=10,000

Cohort366 peers

Snapshot2025

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

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Analytics

Total assets (EOY)

Plan-year ending balance

$288.12M

Not enough data

1 years with asset history on file

Average account balance

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

$52K

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.

5,589

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.

3.7%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$23.95M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$168

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

+15.49%

Not enough data

1 years with return on file

Admin fee / account holder

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

$133

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 10-year trajectory. $4.99 for your first month.

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Service providers

Top 6 by compensation

Provider	Service type	Compensation
MILLIMAN, INC.11+ years Service code 15 · EIN 91-0675641	Recordkeeping	$1,037,922
JP MORGAN INVESTMENT MANAGEMENT INC11+ years Filed as: INVESTMENT MANAGEMENT CONSULTANTS Service code 28 · EIN 88-0444272	Investment Management	$150,000
PDQ GILLS PRINTING3 years Service code 38 · EIN 88-0444272	Participant Communication	$118,455
MMA SECURITIES LLC10+ years Filed as: MARSH & MCLENNAN AGENCY, LLC Service code 23 · EIN 36-1436000	Direct payment from the plan; Insuran...	$43,244
MCCRACKEN, STERMAN & HOLSBERRY, LLP1 year Service code 23 · EIN 94-1709555	Direct payment from the plan; Insuran...	$15,369
CHARLES SCHWAB & CO., INC.11+ years Service code 19 · EIN 94-1737782	Securities Custodian	$0

Plan features & details

Pension benefit codes2E2F2G2J2K2T

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.
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.

Opportunity flags

4 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.
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

$742K

$5 / participant

Recordkeeping$411K55.4%
Investment mgmt$150K20.3%
Legal$59K7.9%
Other / not subdivided$121K16.4%

% of EOY assets

0.257%

all-in expense ratio

Categories reported

3 / 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: LAYTON, LAYTON & TOBLER
Auditor EIN: 880176927
Audit fees: (not subdivided)
Opinion code: Unqualified

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$51,551

$140,769-63.4%

$53,898-4.4%

$140,769-63.4%

Participation rate

3.7%

74.2%-70.5pp

55.0%-51.3pp

74.2%-70.5pp

Annual return

15.49%

16.82%-1.3pp

528.60%-513.1pp

16.82%-1.3pp

Employer contribution / active EE

$3,906-100.0%

$932-100.0%

$3,906-100.0%

Participant deferral / active EE

$168

$6,717-97.5%

$1,826-90.8%

$6,717-97.5%

Admin fee / account holder

$133

$229-42.1%

$2,491-94.7%

$229-42.1%

Provider

Service type

Compensation

MILLIMAN, INC.11+ years

Service code 15 · EIN 91-0675641

Recordkeeping

$1,037,922

JP MORGAN INVESTMENT MANAGEMENT INC11+ years

Filed as: INVESTMENT MANAGEMENT CONSULTANTS

Service code 28 · EIN 88-0444272

Investment Management

$150,000

PDQ GILLS PRINTING3 years

Service code 38 · EIN 88-0444272

Participant Communication

$118,455

MMA SECURITIES LLC10+ years

Filed as: MARSH & MCLENNAN AGENCY, LLC

Service code 23 · EIN 36-1436000

Direct payment from the plan; Insuran...

$43,244

MCCRACKEN, STERMAN & HOLSBERRY, LLP1 year

Service code 23 · EIN 94-1709555

Direct payment from the plan; Insuran...

$15,369

CHARLES SCHWAB & CO., INC.11+ years

Service code 19 · EIN 94-1737782

Securities Custodian

CULINARY AND BARTENDERS 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CULINARY AND BARTENDERS 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