Retirement plan

UNITED STATES BAKERY PROFIT SHARING & 401(K) PLAN

Name: UNITED STATES BAKERY - UNITED STATES BAKERY PROFIT SHARING & 401(K) PLAN (2025) Form 5500
Creator: UNITED STATES BAKERY
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, UNITED STATES BAKERY PROFIT SHARING & 401(K) PLAN, UNITED STATES BAKERY

UNITED STATES BAKERYEIN 93-0302130Plan #001PY 2025

315 NE 10TH AVENUE - PORTLAND, OR 97232503-731-5671LinkedIn501-1000 employeesfacilities services

Prospect flagsLow returns

How to read this page

Total assets (EOY)

$106.9M

+8.7% from 2024

Total participants

1,369

+6.3% from 2024

Average account balance

$79,922

+3.1% from 2024

Annual return

5.19%

-11.78 pp from 2024

Benchmarks

See 356 peers

Peer group

Industryany (size+type match)

Plan typeDefined contribution

Participants1,000-4,999

Cohort356 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$106.86M

Not enough data

1 years with asset history on file

Average account balance

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

$80K

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.

1,337

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.

97.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$12.91M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$12K

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

+5.19%

Not enough data

1 years with return on file

Admin fee / account holder

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

$156

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

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

Service providers

Top 4 by compensation

Provider	Service type	Compensation
MILLIMAN, INC.2 years Filed as: MILLIMAN INVESTMENTS Service code 21 71 S. WACKER DRIVE 31ST FLOOR · CHICAGO, IL 60606	Bank Trustee	$111,615
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY GLOBAL BANK OPS Service code 21 · EIN 26-4310632	Bank Trustee	$38,000
MILLIMAN, INC.7 years Service code 15 · EIN 91-0675641	Recordkeeping	$30,132
MATRIX TRUST COMPANY7 years Filed as: MATRIX TRUST Service code 19 · EIN 75-3182674	Securities Custodian	$29,315

Plan features & details

Pension benefit codes2E2F2G2J2S3H2T

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.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
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.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

1 tripped

OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$209K

$199 / participant

Recordkeeping$30K14.4%
Trustee / custodial$29K14.0%
Investment mgmt$150K71.6%

% of EOY assets

0.196%

all-in expense ratio

Categories reported

3 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: ALDRICH CPAS & ADVISORS LLP
Auditor EIN: 930623286
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$79,922

$85,660-6.7%

$121,871-34.4%

$85,660-6.7%

Participation rate

97.0%

74.8%+22.1pp

73.2%+23.8pp

74.8%+22.1pp

Annual return

5.19%

19.52%-14.3pp

13.57%-8.4pp

19.52%-14.3pp

Employer contribution / active EE

$8,782

$4,199+109.1%

$2,731+221.6%

$4,199+109.1%

Participant deferral / active EE

$3,504

$3,518-0.4%

$4,318-18.9%

$3,518-0.4%

Admin fee / account holder

$156

$224-30.2%

$11,551-98.6%

$224-30.2%

Provider

Service type

Compensation

MILLIMAN, INC.2 years

Filed as: MILLIMAN INVESTMENTS

Service code 21

71 S. WACKER DRIVE 31ST FLOOR · CHICAGO, IL 60606

Bank Trustee

$111,615

MORGAN STANLEY SMITH BARNEY2 years

Filed as: MORGAN STANLEY GLOBAL BANK OPS

Service code 21 · EIN 26-4310632

Bank Trustee

$38,000

MILLIMAN, INC.7 years

Service code 15 · EIN 91-0675641

Recordkeeping

$30,132

MATRIX TRUST COMPANY7 years

Filed as: MATRIX TRUST

Service code 19 · EIN 75-3182674

Securities Custodian

$29,315

UNITED STATES BAKERY PROFIT SHARING & 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

UNITED STATES BAKERY PROFIT SHARING & 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