Filings through .
4 of 17 flags tripped on the 2025 filing.
Corrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).
Low participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
High fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Low returns
Annual investment return is in the bottom quintile of the peer cohort.
This section compares the plan with plans of the same size, type and industry, and shows how it moved year over year.
We rank each metric against plans of the same size, type and industry.
Peer percentiles for 6 metrics are on Pro. Pro is free for 7 days and then costs $49 a month.
Showing the 2025 filing, 1 of 10 years on record. Charts need 3 years.
Older filings: assets, participants, contributions and return for each year are on Pro.
9 more years of history are on Pro. Pro is free for 7 days and then costs $49 a month.
$136K in admin expenses, $358 per participant (all participants, line 6f).
This section lists the funds on the plan's investment schedule and what changed since the prior filing.
13 funds of $250K or more; 17 lines in all, holding $16.7M of the plan's $16.7M. Recordkeeper: Empower.
Target-date series: T. Rowe Price Retirement Blend, collective trust, 9% of fund dollars
| Fund | Dollars | % of funds% |
|---|---|---|
| Drive Balanced Fund Manager not matched · Collective trust | $6.3M | 37.6% |
| NT S&P 500 Index Fund Northern Trust · Collective trust Index | $4.8M | 28.8% |
| T. Rowe Price Retirement Blend T. Rowe Price · Collective trust Target-date, 9 vintages | $1.6M | 9.3% |
| MFS Mid Cap Value Fund MFS (Sun Life) · Collective trust | $580K | 3.5% |
| MassMutual Mid Cap Growth Equity Fund MassMutual · Mutual fund | $462K | 2.8% |
| Northern Trust Collective Russell 2000 Index Fund Northern Trust · Collective trust Index | $445K | 2.7% |
| Northern Trust Collective All Country World Index Ex US Fund Northern Trust · Collective trust Index | $391K | 2.3% |
| Eupac Fund Capital Group · Mutual fund | $360K | 2.2% |
| Fidelity Total Bond Fund Fidelity (FMR) · Mutual fund | $343K | 2.1% |
| Allspring Special Small Cap Value Fund Allspring · Mutual fund | $315K | 1.9% |
| Fund | Manager | Vehicle | Dollars | % of funds |
|---|---|---|---|---|
| Name available on Pro | Dollar amount available on Pro | Percentage available on Pro | ||
| Name available on Pro | Dollar amount available on Pro | Percentage available on Pro | ||
| Name available on Pro | Dollar amount available on Pro | Percentage available on Pro |
7 more funds in this lineup: name, manager, vehicle, dollars and share are on Pro.
No lineup changes between the 2024 and 2025 filings.
Stable value and insurance contract lines, renames and class changes are not counted.
Changes of at least $250K and 0.1% of the plan between the 2024 and 2025 filings. Values are year-end holdings. They do not show money moved.
7 more lines in this lineup are on Pro. Pro is free for 7 days and then costs $49 a month.
Covers 71,410 large plans that list their funds in their annual filing. Updated Nov 6, 2026. Shares describe these plans, not the whole market.
This section shows who is paid to serve the plan, who audits it and who signs the filing.
Top 6 by compensation.
| Provider | Compensation |
|---|---|
EMPOWER ADVISORY GROUP, LLC3 years Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 Recordkeeping Fees | $93,261 |
MORGAN STANLEY SMITH BARNEY11+ years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 55 1 NEW YORK PLZ 12TH FL · NEW YORK, NY 10004 Other Commissions | $42,955 |
Service code 99 PO BOX 27165 · SEATTLE, WA 98165 Other Fees | $38,525 |
Service code 99 8400 WESTPARK DR · MCLEAN, VA 22102 Other Fees | $20,481 |
CAPFINANCIAL PARTNERS LLC3 years Filed as: CAPFINANCIAL PARTNERS LLC DBA CAPTR Service code 99 4208 SIX FORKS RD STE 1700 · RALEIGH, NC 27609 Other Fees | $3,414 |
Service code 13 12 GILL ST STE 2600 · WOBURN, MA 01801 Contract Administrator | $2,133 |
The auditor signed off without reservation. This is the cleanest opinion.
Plan features from the filing, actuarial disclosures and related pages.
8 feature codes on the 2025 filing.
Filed January 19, 2001.
This is a legacy paper filing. The plan administrator and contact details are only in the original filing. We have not converted them into data fields.
3 contacts
11 filings · 2015 to 2025