Retirement plan

OBRIENS MARKET, INC. 401K PROFIT SHARING PLAN

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

OBRIENS MARKET, INC.EIN 94-2479762Plan #001PY 2025

4120 DALE ROAD, STE H - MODESTO, CA 95356209-869-9050

Prospect flagsLow returnsLow assets / participant

How to read this page

Total assets (EOY)

$2.5M

-30.8% from 2024

Total participants

152

-0.7% from 2024

Average account balance

$16,959

-30.3% from 2024

Annual return

10.74%

-1.07 pp from 2024

Benchmarks

See 6,714 peers

Peer group

Industry44 - Retail Trade

Plan typeDefined contribution

Participants25-99

Cohort6,714 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$2.51M

Not enough data

1 years with asset history on file

Average account balance

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

$17K

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.

148

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.

94.6%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$120K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$2K

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

+10.74%

Not enough data

1 years with return on file

Admin fee / account holder

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

$192

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 3 by compensation

Provider	Service type	Compensation
GREAT-WEST LIFE & ANNUITY INSURANCE4 years Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Recordkeeping Fees	$13,675
MERRIL LYNCH3 years Service code 27 1400 AMERICAN BLVD BLDG#4 · PENNINGTON, NJ 08534	Advisory (Plan)	$8,261
PENSION ASSURANCE LLP9 years Filed as: PENSION DESIGN, INC Service code 13 · EIN 77-0088483	Contract Administrator	$6,308

Plan features & details

Pension benefit codes2E2G2J2K3D2F

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.
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

OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
OpportunityLow assets / participant
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.

Expense breakdown

Schedule H Part II

Admin total

$28K

$384 / participant

Contract admin$28K100.0%

% of EOY assets

1.131%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: LEE CPA GROUP
Auditor EIN: 814637885
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$16,959

$73,787-77.0%

$98,716-82.8%

$82,448-79.4%

Participation rate

94.6%

61.4%+33.2pp

69.3%+25.3pp

68.1%+26.5pp

Annual return

10.74%

18.57%-7.8pp

31.81%-21.1pp

41.64%-30.9pp

Employer contribution / active EE

$327

$1,511-78.4%

$2,279-85.6%

$2,551-87.2%

Participant deferral / active EE

$1,294

$3,081-58.0%

$4,048-68.0%

$4,139-68.7%

Admin fee / account holder

$192

$6,500-97.0%

$8,703-97.8%

$7,234-97.3%

Provider

Service type

Compensation

GREAT-WEST LIFE & ANNUITY INSURANCE4 years

Filed as: EMPOWER ANNUITY INSURANCE COMPANY

Service code 64

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Recordkeeping Fees

$13,675

MERRIL LYNCH3 years

Service code 27

1400 AMERICAN BLVD BLDG#4 · PENNINGTON, NJ 08534

Advisory (Plan)

$8,261

PENSION ASSURANCE LLP9 years

Filed as: PENSION DESIGN, INC

Service code 13 · EIN 77-0088483

Contract Administrator

$6,308

OBRIENS MARKET, INC. 401K PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

OBRIENS MARKET, INC. 401K PROFIT SHARING 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