CENTER FOR ENRICHED COMMUNICATIONS, INC.
CENTER FOR ENRICHED COMMUNICATIONS, INC. 403(B) PLAN · For the plan year ended Dec 31, 2025
Plan summary
The numbers that matter first
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.
count balance under the Plan has been distributed or forfeited.
Extracted from an official plan filing; editorial verification is pending.
that can be provided from the participant’s vested account.
ivable from participants 293 Contributions: Participant contributions 5,266 Employer contributions 1,759 Total contributions 7,025 Deductions: Benefits paid to participants 33,126 Administrative expenses 491 Total deductions 33,617 Net increase 9,799 Net assets available for benefits Beginning of year 317,538 End of year $ 327,337 The accompanying notes are an integral part of these financial statements.
te.
A current plan document is needed.
0 or older can elect to make additional catch-up contributions to the Plan.
ts subsidiaries (“Participating Affiliates”) with a convenient way to save for both short-term and long-term needs. Covered employees are eligible to make before-tax, after-tax or Roth 401(k) contributions or a combination of all three to the Plan and to receive matching employer contributions upon completion of enrollment in the Plan as soon as practicable following the date of hire. Covered employees in certain bargaining groups who are not eligible to earn pension benefits and who are employed by Verizon or its Participating Affiliates on the last day of the year in a position subject to a collective bargaining agreement, may receive employer annual discretionary awards (“profit sharing contributions”) under the Plan. An individual’s active participation in the Plan shall terminate when
Up 0.0% over the filing history shown.
Participation up 0.0% · assets up 0.0%
How the score works →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.
How this filing compares
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, CENTER FOR ENRICHED COMMUNICATIONS, INC. reported $6,142 in employer contributions across this plan, or $292 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.
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
- $6,142 $292 per active participant
- Participant contributions
- $28,960
- Other contributions
- $13,779 Amounts not classified as employer or participant contributions
- Employer share of contributions
- 12.6%
- Active participants
- 21 Small plan
- Total participants
- 22 20 at the beginning of the year
- Ending assets
- $193,051 $8,775 per participant
- Net-asset change
- Up 0.0% Not the same as investment performance
- Beginning net assets
- $122,956
- Ending net assets
- $193,051
- Beginning liabilities
- $0
- Ending liabilities
- $0
- Total income
- $76,617
- Total expenses
- $6,522
- Administrative expenses
- $2,440 $111 per active participant
- Participant loans
- Not reported Not reported 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.
| Plan year | Employer money per active participant | Active participants | Plan assets |
|---|---|---|---|
| 2025 | $292 | 21 | 193.1K |
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
- Not reported
- 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
- 742232416-001
Reported plan details
Identity and filing status
- Plan type
- Retirement plan
- Employer arrangement
- 1
- Plan effective date
- Jan 1, 2023
- Industry
- Health care and social assistance
- Amended filing
- No
- Final filing for this plan
- No
- Short plan year
- No
- 401(k) feature reported
- Yes
Show DOL characteristic codes
2G2F3D2J2K2E2T
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.
What it says about employer contributions
count balance under the Plan has been distributed or forfeited. Participant Accounts Each participant account is credited with the participant’s contributions, rollovers, employer-matching contributions, profit sharing contributions, and allocations of Plan income. Allocations of Plan income are based on participant account balances. The benefit to which a participant is entitled is the benefit that can be provided from the participant’s vested account. Vesting Participants are always vested in the value of their contributions and earnings thereon. A participant shall be fully vested in the employer-matching and profit sharing contributions allocated to his or her account or Employee Stock Ownership Plan (“ESOP”) account and any income thereon upon completing three years of vesting service
What it says about vesting
that can be provided from the participant’s vested account. Vesting Participants are always vested in the value of their contributions and earnings thereon. A participant shall be fully vested in the employer-matching and profit sharing contributions allocated to his or her account or Employee Stock Ownership Plan (“ESOP”) account and any income thereon upon completing three years of vesting service or upon death, disability, retirement from Verizon or its Participating Affiliates, attainment of normal retirement age, or involuntary termination (other than for cause or in connection with a business transaction). - 4 - Forfeitures Forfeited balances of terminated participants' non-vested accounts are used to reduce future employer-matching contributions and profit sharing contributions. For
What it says about automatic enrollment
0 or older can elect to make additional catch-up contributions to the Plan. Contributions are subject to certain Internal Revenue Service (“IRS”) limitations. The Plan includes an auto-enrollment provision whereby certain newly eligible employees are automatically enrolled in the Plan at a contribution rate of 6 % of eligible compensation unless they affirmatively elect not to participate in the Plan or elect to contribute at a different rate. Contributions for an automatically enrolled participant are invested in the Target Date Fund that corresponds most closely with the year the participant will turn age 65 , the qualified default investment alternative designated by the Plan administrator, until changed by the participant. Automatic enrollment applies to eligible employees who are cove
What it says about fees
ivable from participants 293 Contributions: Participant contributions 5,266 Employer contributions 1,759 Total contributions 7,025 Deductions: Benefits paid to participants 33,126 Administrative expenses 491 Total deductions 33,617 Net increase 9,799 Net assets available for benefits Beginning of year 317,538 End of year $ 327,337 The accompanying notes are an integral part of these financial statements. - 3 - VERIZON SAVINGS AND SECURITY PLAN FOR WEST REGION HOURLY EMPLOYEES Notes to Financial Statements 1. Plan Description The following description of the Verizon Savings and Security Plan for West Region Hourly Employees (the “Plan”) provides only general information. Participants should refer to the Summary Plan Description and Plan Document for a complete description of the Plan’s prov
What it says about employer contributions
nuary 1, 2026, Participants with prior year wages exceeding the applicable IRS threshold may elect such “catch-up” contributions only on a Roth basis. The Company does not provide Company matching contributions on “catch-up” contributions. Participants may also contribute amounts representing rollover eligible distributions from other qualified defined benefit or defined contribution plans, IRC Section 403(b) annuity plans, IRC Section 457 governmental plans or individual retirement accounts. Participants direct their contributions into the various eligible investment options offered by the Plan. Contributions are subject to certain limitations as set forth under the IRC or the limits set forth in the Plan document. All new employees are automatically enrolled in the Plan to make pre-tax c
What it says about vesting
ed immediately in their elective contributions plus earnings thereon. Participants hired before January 1, 2024, other than certain bargaining unit employees, are also immediately fully vested in all Company contributions and actual earnings thereon. With respect to certain bargaining unit Participants, Company contributions vest in accordance with the Plan document and the applicable collective bargaining agreement, generally, ratably in 20 % increments over five years . With respect to non-union and certain union Participants hired on or after January 1, 2024, Company contributions fully vest after two years of service. Notwithstanding the foregoing vesting schedules, in all cases, Participants become fully vested upon reaching normal retirement age (age 65), becoming disabled (as define
What it says about automatic enrollment
stment options offered by the Plan. Contributions are subject to certain limitations as set forth under the IRC or the limits set forth in the Plan document. All new employees are automatically enrolled in the Plan to make pre-tax contributions unless they elect otherwise. An employee who has been automatically enrolled is deemed to have elected to defer pre-tax contributions at a rate of 6 % ( 3 % for certain bargaining unit Participants) of eligible compensation (Automatic Contributions). A notice is provided to all employees who are scheduled to be automatically enrolled in the Plan (Automatic Enrollment Notice). In general, an employee has 30 days after receiving the Automatic Enrollment Notice to elect not to make any pre-tax contributions or choose a different contribution percentage
What it says about fees
erest on notes receivable from participants 3,142 Contributions Participant 97,124 Employer 72,293 Rollover 4,388 Total contributions 173,805 Expenses Benefit payments ( 363,818 ) Administrative expenses ( 3,944 ) Total expenses ( 367,762 ) Change in Net Assets Available for Benefits 289,490 Net Assets Available for Benefits, Beginning of Period 2,881,742 Net Assets Available for Benefits, End of Period $ 3,171,232 See accompanying Notes to Financial Statements. 3 CENTERPOINT ENERGY SAVINGS PLAN Notes to Financial Statements December 31, 2025 and 2024 (1) Description of the Plan The following description of the CenterPoint Energy Savings Plan (the Plan) provides only general information. Participants (as defined below) should refer to the Plan document for a more complete description of th
Current plan terms
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Filing evidence
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