Plan Snapshot
- Plan Sponsor: Bowles Rice LLP
- Sponsor EIN: 550394186
- Sponsor Address: 600 QUARRIER STREET, CHARLESTON, WV, 25301
- Plan Type: 401(k)
- Total Participants: 172
- Total Assets: $73.3M
Key Plan Design Features
- Auto-Enrollment: Yes
- Auto-Escalation: No
- Allows Roth Contributions: Yes
- Participant Loans: Yes
- Participant-Directed Investments: Yes
- ERISA Section 404(c) Fiduciary Safe Harbor: Yes
Plan Financials by Year
| Year | Participants | Total Assets | Employer Contrib. | Employee Contrib. |
|---|---|---|---|---|
| 2024 | 172 | $73.3M | $2.1M | $1.6M |
| 2023 | 178 | $65.7M | $2.1M | $1.5M |
| 2022 | 174 | $59.6M | $1.9M | $1.4M |
Service Providers (Schedule C)
Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).
| Provider Name | Role | Direct Compensation | Indirect Compensation | Total Fees |
|---|---|---|---|---|
| MORGAN STANLEY SMITH BARNEY LLC | SERVICE PROVIDER | — | $66,327 | $66,327 |
| NTV ASSET MANAGEMENT | INVESTMENT ADVISOR | $50,295 | — | $50,295 |
| UNITED BANK | INVESTMENT ADVISOR | $33,706 | — | $33,706 |
| JANNEY MONTOGOMERY SCOTT LLC | INVESTMENT ADVISOR | $24,319 | — | $24,319 |
| MCKINLEY CARTER | INVESTMENT ADVISOR | $20,382 | — | $20,382 |
| MORGAN STANLEY | INVESTMENT ADVISOR | $19,019 | — | $19,019 |
| FRANKLIN TEMPLETON | INVESTMENT ADVISOR | $9,851 | — | $9,851 |
| SUTTLE & STALNAKER PLLC | Auditor | — | — | $0 |
Verified Provider Profiles
Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:
- MORGAN STANLEY SMITH BARNEY LLC — SERVICE PROVIDER
- MORGAN STANLEY — INVESTMENT ADVISOR
- SUTTLE & STALNAKER PLLC — Auditor
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $223,899
- Estimated Expense Ratio: 0.305% of plan assets
Historical Administrative Expenses
Breakdown of administrative expense categories reported on Form 5500 filings.
| Year | Total Admin Expenses | Investment Mgmt Fees | Contract Admin Fees | IQPA Audit Fees | Professional Fees |
|---|---|---|---|---|---|
| 2024 | $364,043 | — | — | — | — |
| 2023 | $311,455 | — | — | — | — |
| 2022 | $299,821 | $299,821 | — | — | — |