Plan Snapshot
- Plan Sponsor: Verbal Behavior Associates
- Sponsor EIN: 464417379
- Sponsor Address: 14251 DANIELSON ST, POWAY, CA, 92064
- Plan Type: 401(k)
- Total Participants: 268
- Total Assets: $1.7M
Key Plan Design Features
- Auto-Enrollment: Yes
- Auto-Escalation: No
- Allows Roth Contributions: Yes
- 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 | 268 | $1.7M | $0 | $336,224 |
| 2023 | 212 | $1.4M | $0 | $314,509 |
| 2022 | 168 | $998,008 | $14,057 | $243,213 |
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 |
|---|---|---|---|---|
| PENSION PROFESSIONALS, LLC | Other Service Provider | $14,196 | — | $14,196 |
| EMPOWER ANNUITY INSURANCE COMPANY | Recordkeeper | $8,310 | — | $8,310 |
| NORTHWESTERN MUTUAL WEALTH MGMT CO | Investment Advisor | $7,365 | — | $7,365 |
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $29,871
- Estimated Expense Ratio: 1.795% 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 | $15,317 | — | — | — | — |
| 2023 | $5,519 | — | — | — | — |
| 2022 | $5,303 | $5,303 | — | — | — |