Department of Labor filing

CENTER FOR ENRICHED COMMUNICATIONS, INC.

CENTER FOR ENRICHED COMMUNICATIONS, INC. 403(B) PLAN · For the plan year ended Dec 31, 2025

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Public filing 2025 · received Jul 5, 2026Verified current terms Not available

Plan summary

The numbers that matter first

48Limited plan health
high confidence
See what drives the plan health score
Employer contributions versus peers15/10030% of the full model
Lower reported administrative cost44/10020% of the full model
Active-participant trend50/10010% of the full model
Net-asset trend50/10010% of the full model
Reported compliance signals100/10010% of the full model
Filing completeness100/10010% of the full model

Published only when at least four measures and half of the model weight are available. Missing information is excluded rather than scored as zero.

01 · Employer matchSee verified formula

count balance under the Plan has been distributed or forfeited.

02 · Maximum employer contributionSee formula

Extracted from an official plan filing; editorial verification is pending.

03 · VestingOfficial filing detail

that can be provided from the participant’s vested account.

04 · Fees and expensesOfficial filing detail

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.

05 · Investment choicesOfficial filing detail

te.

06 · Eligibility and waiting periodNot stated in official filing

A current plan document is needed.

07 · Automatic enrollmentReported

0 or older can elect to make additional catch-up contributions to the Plan.

08 · Roth 401(k)Available

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

09 · Employer contribution vs. peers15th percentile

Up 0.0% over the filing history shown.

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 · 202523out of 100 among similar-size plans in the same industry when enough peers exist

How this filing compares

Reported employer contributions15th percentileTypical peer $1,906 · based on 56,903 comparable plans
Lower reported administrative expense44th percentileTypical peer $71 · based on 50,652 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, 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.

People actively participating21

Up 0.0% across the filing years shown. The filing does not report every employee who was eligible.

Employer money over timeUp 0.0%

Change in employer contributions per active participant.

Plan costs over timeUp 0.0%

Change in reported administrative cost per participant. Fund expenses may be separate.

Peer comparison23/100

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
$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.

Employer money per active participant
2025
$292
Administrative cost per participant
2025
$111
Active participants
2025
21
Total plan assets
2025
$193,051
Participant loans as a share of assets
2025
Not reported
Detailed filing history
Plan yearEmployer money per active participantActive participantsPlan assets
2025$29221193.1K

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 codes2G2F3D2J2K2E2T

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, 2025VERIZON COMMUNICATIONS INC — 11-K filed 2026-06-22
Official filing · details not yet 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

11-K · report period Dec 31, 2025CENTERPOINT ENERGY INC — 11-K filed 2026-06-24
Official filing · details not yet checked
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

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_ID20260705173744NAL0015052867001
Data sourceDOL Form 5500 bulk data ↗
Filing searchEFAST2 ↗