Department of Labor filing
Spot something wrong?CAROLINA INTERNATIONAL PREPARATORY SCHOOL
CAROLINA INTERNATIONAL PREPARATORY SCHOOL 403(B) PLAN · For the plan year ended Dec 31, 2025
Public filing 2025 · received Jul 23, 2026Verified current terms Not available
Plan summary
What matters most
This plan has an employer contribution that still needs verification and a documented vesting schedule. Reported employer contributions rank below most comparable plans.
62Fair plan health
high confidence
high confidence
See what drives the plan health score
Published only when at least four measures and half of the model weight are available. Missing information is excluded rather than scored as zero.
participants whose employment commencement date occurs on or after January 1, 2025, all Company contributions made on behalf of such participants are subject to a three-year cliff vesting schedule.
net assets available for benefits attributable to this investment.
e (hereinafter collectively referred to as “the Committees") are responsible for the operation and management of the investment of the assets of the Plan, other than the following investment options: the “PMI Stock Investment Option”; the “Altria Stock Investment Option”; the “Mondelēz International Stock Investment Option”; and the “Kraft Heinz Stock Fund Investment Option”, (hereinafter collectively referred to as “Stock Investment Options”) which are invested exclusively in the common stock of Philip Morris International Inc.
de”), certain amounts for highly compensated employees are not contributed to the Plan.
$0 per active participant in 2025.
Participation up 0.0% · assets up 0.0% · loans 0.0% of assets
How the score works →What still needs verification
eligibility, Roth availability. These items stay out of the summary until a dated source confirms them.
What this tells you: company-wide scale, reported employer support, participation activity, visible administrative cost, and historical direction.
Keep in mind: public filings do not show employee investment returns. Scores use only available measures; missing information lowers confidence, never the score. Current match, vesting, eligibility, investments, and employee-paid fees still require a current plan document.
Filing comparison · 202537out of 100 among similar-size plans in the same industry when enough peers exist
How this filing compares
Reported employer contributions18th percentileTypical peer $877 · based on 4,592 comparable plans
Lower reported administrative expense81st percentileTypical peer $31 · based on 4,511 comparable plans
This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.
Peer-group method: industry size. The comparison used the most specific peer group with enough valid filings.
The short version
What employees should know
For the year ended Dec 31, 2025, CAROLINA INTERNATIONAL PREPARATORY SCHOOL reported $0 in employer contributions across this plan, or $0 per active participant. This is the best company-wide filing average available—not a promise of what any one employee receives.
Up 0.0% across the filing years shown. The filing does not report every employee who was eligible.
Change in employer contributions per active participant.
Change in reported administrative cost per participant. Fund expenses may be separate.
Compared with similarly sized plans in the same industry.
What this public record cannot answer
For the current match, vesting rules, eligibility, employee fees, and investment choices, we need a recent plan document. We leave those details blank until we have one.
Money and scale
Contributions, assets, and expenses
These are plan-wide totals. They are not individual account balances.
- Employer contributions
- $0 $0 per active participant
- Participant contributions
- $17,654
- Other contributions
- $0 Amounts not classified as employer or participant contributions
- Employer share of contributions
- 0.0%
- Active participants
- 15 Small plan
- Total participants
- 22 22 at the beginning of the year
- Ending assets
- $25,304 $1,150 per participant
- Net-asset change
- Up 0.0% Not the same as investment performance
- Beginning net assets
- $10,895
- Ending net assets
- $25,304
- Beginning liabilities
- Not reported
- Ending liabilities
- Not reported
- Total income
- $21,471
- Total expenses
- $7,062
- Administrative expenses
- $152 $7 per active participant
- Participant loans
- $0 0.0% of plan assets
Three-year filing history
How the reported figures changed
Each chart uses the selected public filing for that year. Missing values remain blank rather than becoming zero.
2025
$0
2025
$7
2025
15
2025
$25,304
2025
0.0%
| Plan year | Employer money per active participant | Active participants | Plan assets |
|---|---|---|---|
| 2025 | $0 | 15 | 25.3K |
Changes in plan assets are not the same as investment performance.
Plan health
Operational signals worth checking
- Participant loans as a share of plan assets
- 0.0%
- Independent accountant’s opinion
- Not stated in the filing
- Late participant contributions reported
- Not reportedA “yes” needs context and is not, by itself, proof of wrongdoing.
- Loan defaults reported
- Not reported
- Lease defaults reported
- Not reportedOnly a small number of filings report these events.
- Nonexempt transactions reported
- Not reported
- Public plan identifier
- 900590142-001
Reported plan details
Identity and filing status
- Plan type
- Retirement plan
- Employer arrangement
- 1
- Plan effective date
- Jan 1, 2024
- Industry
- Educational services
- Amended filing
- No
- Final filing for this plan
- No
- Short plan year
- No
- 401(k) feature reported
- Yes
Show DOL characteristic codes
2A2E2G2J2K2S2T3D
Company filings
What the company has told the SEC about this plan
We found these passages in official company filings. They may help explain the plan, but we do not treat them as current benefits until the wording and date have been checked.
11-K · report period Dec 31, 2025Philip Morris International Inc. — 11-K filed 2026-06-29 ↗
Official filing · details not yet checkedWhat it says about vesting
participants whose employment commencement date occurs on or after January 1, 2025, all Company contributions made on behalf of such participants are subject to a three-year cliff vesting schedule. Participants who were participating in the Plan as of December 31, 2024, remain fully vested in the balance held in their Plan accounts. A participant is credited with a year of service for vesting purposes upon completion of 365 days ( one year ) of service. Distributions and Withdrawals: Distributions are made only when a person ceases to be a participant. Upon termination, including retirement, a participant has various options available, as described in the Plan, with respect to the distribution of his or her Plan account balances. Participants may make in-service withdrawals in accordance w
What it says about automatic enrollment
de”), certain amounts for highly compensated employees are not contributed to the Plan. No contribution is required from any participant under the Plan. However, new employees are automatically enrolled in the Plan to make before-tax contributions of five percent ( 5 %) of their eligible compensation beginning with the first payroll period that is administratively practicable after the employee's date of hire. Employees that are automatically enrolled can elect not to make contributions or to contribute a different percentage of their eligible compensation. Participants may make contributions on a before-tax, Roth after-tax and/or traditional after-tax basis to the Plan. Participants who are age 50 or older by the end of a Plan year are eligible to make before-tax and Roth after-tax catch-
What it says about fees
net assets available for benefits attributable to this investment. Contract value represents contributions made under the contract, plus earnings, less participant withdrawals and administrative expenses. Participants may ordinarily direct the withdrawal or transfer of all or a portion of their investment at contract value. The BNYM Insight Stable Value Fund, a collective -9- PHILIP MORRIS INTERNATIONAL DEFERRED PROFIT-SHARING PLAN NOTES TO FINANCIAL STATEMENTS (continued) trust, is valued based on information reported by the investment advisor using the audited financial statements of the collective trust which are as of and for the year ended December 31, 2025. • Mutual funds are stated at the respective funds' net asset value per share, which is determined based on market values at the
Current plan terms
Help fill the gap the filing leaves.
If you have a current SPD, fee disclosure, or enrollment guide, you can share it with us. We check the source and date before adding anything to the profile.
Filing evidence
Open the selected public records
We use the latest valid received filing for each year after resolving amendments and duplicate records. Open the source to check the original filing.
Filing ACK_ID20260723141237NAL0014077057001
Data sourceDOL Form 5500 bulk data ↗
Filing searchEFAST2 ↗