# Kalbaugh, Pfund & Messersmith, P.C. Health & Welfare Plan
Source: https://planprovider.pro/companies/kalbaugh-pfund-messersmith-p-c-541527978-501

> Kalbaugh, Pfund & Messersmith, P.C.'s Health & Welfare plan: 57 participants, plan year 2025 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2025.

## Plan Snapshot

- **Plan Sponsor:** Kalbaugh, Pfund & Messersmith, P.C.

- **Sponsor EIN:** 541527978

- **Sponsor Address:** 901 MOOREFIELD PARK DRIVE STE. 200, RICHMOND, VA, 23236

- **Plan Type:** Health & Welfare

- **Plan Number:** 501

- **Total Participants:** 57

- **Total Assets:** $227,123

## Key Plan Design Features

- **Auto-Enrollment:** No

- **Auto-Escalation:** No

- **Allows Roth Contributions:** No

- **Participant Loans:** No

- **Participant-Directed Investments:** No

- **ERISA Section 404(c) Fiduciary Safe Harbor:** No

## Plan Financials by Year

| Year|Participants|Total Assets|Employer Contrib.|Employee Contrib.|

| 2025|57|$227,123|$0|$0|

| 2024|54|$211,979|$585,933|$85,482|

| 2023|56|$133,010|$538,905|$79,339|

| 2022|54|$102,834|$476,511|$89,191|

| 2020|56|$144,702|$486,135|$104,711|

## 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|

| THE BENECON GROUP|Investment Advisor|$42,317|—|$42,317|

| UMR|Other Service Provider|$24,673|—|$24,673|

| SIMA BENEFITS CONSULTING GROUP|Investment Advisor|$19,800|—|$19,800|

## Plan Fees & Expenses

Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.

- **Total Service Provider Fees:** $86,790

- **Estimated Expense Ratio:** 38.213% 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|

| 2025|$668,945|—|—|—|—|

| 2024|$788,855|—|—|—|—|

| 2023|$729,243|—|—|—|—|

| 2022|$599,251|—|—|—|—|

| 2020|$452,621|—|—|—|—|

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