Plan Snapshot
- Plan Sponsor: Cardinal Point Captains, INC.
- Sponsor EIN: 464380003
- Sponsor Address: 5005 TEXAS STREET, SUITE 104, SAN DIEGO, CA, 92108
- Plan Type: 401(k)
- Total Participants: 135
- Total Assets: $5.0M
Key Plan Design Features
- Auto-Enrollment: Yes
- Auto-Escalation: No
- Allows Roth Contributions: No
- Participant Loans: No
- 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 | 135 | $5.0M | $400,514 | $426,684 |
| 2023 | 119 | $4.2M | $212,700 | $509,820 |
| 2022 | 107 | $3.2M | $280,069 | $389,840 |
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 |
|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | Recordkeeper | $54,096 | — | $54,096 |
| LPL FINANCIAL LLC | Investment Advisor | — | $33,713 | $33,713 |
| EMPOWER ADVISORY GROUP, LLC | Investment Advisor | $5,010 | — | $5,010 |
Verified Provider Profiles
Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:
- LPL FINANCIAL LLC — Investment Advisor
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $92,819
- Estimated Expense Ratio: 1.866% 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 | $59,106 | $5,010 | — | — | — |
| 2023 | $46,530 | $3,384 | — | — | — |
| 2022 | $42,913 | $3,662 | $39,251 | — | — |