Plan Snapshot
- Plan Sponsor: Pathways, INC.
- Sponsor EIN: 610661987
- Sponsor Address: 1212 BATH AVENUE, ASHLAND, KY, 41105
- Plan Type: 401(k)
- Total Participants: 668
- Total Assets: $28.7M
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 | 668 | $28.7M | $1.5M | $1.2M |
| 2023 | 689 | $25.3M | $1.3M | $1.0M |
| 2022 | 592 | $23.3M | $1.0M | $823,556 |
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 |
|---|---|---|---|---|
| TRINITY PENSION CONSULTANTS INC | CONTRACT ADMIN | $37,378 | — | $37,378 |
| EMPOWER ANNUITY INSURANCE COMPANY | RECORDKEEPER | $35,742 | — | $35,742 |
| MORGAN STANLEY SMITH BARNEY LLC | BROKER/ADVISOR | — | $12,418 | $12,418 |
| ENVESTNET RETIREMENT SOLUTIONS, LLC | INVESTMENT ADVISOR | $11,697 | — | $11,697 |
| RAYMOND JAMES & ASSOCIATES INC | INVESTMENT ADVISOR | $11,188 | — | $11,188 |
| EMPOWER ADVISORY GROUP, LLC | INVESTMENT MGMT | $8,212 | — | $8,212 |
| MORGAN STANLEY INSURANCE SERVICES | BROKER/ADVISOR | — | $6,153 | $6,153 |
| GRIFFITH, DELANEY, HILLMAN, & LETT | Auditor | — | — | $0 |
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $122,788
- Estimated Expense Ratio: 0.427% 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 | $81,412 | — | $81,412 | — | — |
| 2023 | $925,181 | $41,965 | $127,885 | — | — |
| 2022 | $143,435 | $35,947 | $107,488 | — | — |