Department of Labor filing

MOSAIC COUNSELING SERVICES INC

MOSAIC COUNSELING SERVICES INC 401(K) PLAN · For the plan year ended Dec 31, 2025

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Public filing 2025 · received May 1, 2026Verified current terms Not available

Plan summary

The numbers that matter first

49plan health
high confidence
01 · Employer matchSee verified formula

each age 50 during a given calendar year.

02 · Maximum employer contributionSee formula

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

03 · VestingImmediate

nt funds offered by the Plan and may elect to change the investment direction of their existing account balances and their future contributions daily.

04 · Fees and expensesOfficial filing detail

289,295 29,249,892 Total contributions 53,200,703 57,856,101 Total additions 184,517,076 153,377,959 Deductions from net assets attributed to: Benefits paid 100,054,542 97,962,337 Administrative fees 361,731 137,585 Total deductions 100,416,273 98,099,922 Net increase 84,100,803 55,278,037 Net transfers from qualified plans 1,553,483 7,432,919 Net assets available for benefits: Beginning of year 853,247,831 790,536,875 End of year $ 938,902,117 $ 853,247,831 See accompanying notes to financial statements.

05 · Investment choicesOfficial filing detail

Mosaic Company (the Company) for eligible U.S.

06 · Eligibility and waiting periodobal Benefits Committee is responsible for oversight of and amending the Plan.

obal Benefits Committee is responsible for oversight of and amending the Plan.

07 · Automatic enrollmentReported

tment consultant to assist with its fiduciary responsibilities.

08 · Roth 401(k)Available

al Statements December 31, 2025 and 2024 • require all catch-up contributions for participants with compensation of more than $ 145,000 (indexed for inflation) to be designated as Roth 401(k) contributions beginning after December 31, 2023. NOTE: On August 25, 2023, the Internal Revenue Service announced a 2-year administrative transition period with respect to the requirement under section 603 of the SECURE 2.0 Act that catch-up contributions made on behalf of certain eligible participants be designated as Roth contributions. The Plan will incorporate changes in its Plan document and administration to the extent required by the SECURE 2.0 Act. (j) Transfer of DB Surplus On April 19, 2024, the Internal Revenue Service issued a private letter ruling allowing the surplus of the terminated Mo

09 · Employer contribution vs. peers11th 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 · 202536out of 100 among similar-size plans in the same industry when enough peers exist

How this filing compares

Reported employer contributions11th percentileTypical peer $1,906 · based on 56,903 comparable plans
Lower reported administrative expense95th 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, MOSAIC COUNSELING SERVICES INC reported $386 in employer contributions across this plan, or $97 per active participant. This is the best company-wide filing average available—not a promise of what any one employee receives.

People actively participating4

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 comparison36/100

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
$386
$97 per active participant
Participant contributions
$519
Other contributions
$0
Amounts not classified as employer or participant contributions
Employer share of contributions
42.7%
Active participants
4
Small plan
Total participants
4
5 at the beginning of the year
Ending assets
$3,609
$902 per participant
Net-asset change
Up 0.0%
Not the same as investment performance
Beginning net assets
$2,227
Ending net assets
$3,609
Beginning liabilities
$0
Ending liabilities
$0
Total income
$1,392
Total expenses
$10
Administrative expenses
$10
$3 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
$97
Administrative cost per participant
2025
$3
Active participants
2025
4
Total plan assets
2025
$3,609
Participant loans as a share of assets
2025
Not reported
Detailed filing history
Plan yearEmployer money per active participantActive participantsPlan assets
2025$9743.6K

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
Yes · $252A “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
881778788-001

Reported plan details

Identity and filing status

Plan type
Retirement plan
Employer arrangement
1
Plan effective date
Jan 1, 2024
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 codes2E2F2G2J2K2S2T3D

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, 2025MOSAIC CO — 11-K filed 2026-06-29
Official filing · details not yet checked
What it says about employer contributions

each age 50 during a given calendar year. Participants direct the investment of their contributions into various investment options offered by the Plan. The Plan is also funded by Company matching contributions, which are subject to certain limitations imposed by Section 415 of the Internal Revenue Code (IRC). For the years ended December 31, 2025 and 2024, the Company made matching contributions equal to 100 % of the first 3 % of the participants’ eligible earnings contributed and 50 % of the next 3 % of the participants’ eligible earnings contributed. The Company also makes an annual non-elective employer contribution that is based on a percentage of the employee’s eligible pay, subject to certain limitations and requirements. For the 2025 and 2024 plan years, the Company made non-electi

What it says about vesting

nt funds offered by the Plan and may elect to change the investment direction of their existing account balances and their future contributions daily. (f) Vesting Participants are immediately vested in the portion of their Plan account related to participant contributions, Company matching contributions, and earnings thereon. Participants are vested in the non-elective employer contribution and the discretionary employer contribution portions of their account after either three years of service, attaining age 65 , or death while an employee. Forfeitures of non-vested participant accounts are used first to restore non-elective employer contributions for reemployed employees who are entitled to have forfeitures restored and are then used to offset employer contributions. In 2025 and 2024, em

What it says about automatic enrollment

tment consultant to assist with its fiduciary responsibilities. Mosaic’s Global Benefits Committee is responsible for oversight of and amending the Plan. Newly hired employees are automatically enrolled in the Plan at a 6 % deferral rate upon meeting the eligibility requirements. Contributions are invested in the Vanguard Target Retirement Fund that is nearest to the year the employee will reach age 65. A participant is assumed to have authorized the Company to withhold from each paycheck a percentage of pay on a before‑tax basis. Automatic payroll withholding can begin no sooner than 45 days from date of hire. A participant has the right to decline automatic enrollment within 45 days from date of hire. The Plan is subject to the provisions of the Employee Retirement Income Security Act of

What it says about fees

289,295 29,249,892 Total contributions 53,200,703 57,856,101 Total additions 184,517,076 153,377,959 Deductions from net assets attributed to: Benefits paid 100,054,542 97,962,337 Administrative fees 361,731 137,585 Total deductions 100,416,273 98,099,922 Net increase 84,100,803 55,278,037 Net transfers from qualified plans 1,553,483 7,432,919 Net assets available for benefits: Beginning of year 853,247,831 790,536,875 End of year $ 938,902,117 $ 853,247,831 See accompanying notes to financial statements. 3 MOSAIC INVESTMENT PLAN Plan No. 004 Notes to Financial Statements December 31, 2025 and 2024 (1) Description of the Plan The following description of the Mosaic Investment Plan (the Plan) provides only general information. Participants should refer to the Plan document for a more comple

10-K · report period Dec 31, 2025QUANTA SERVICES, INC. — 10-K filed 2026-02-19
Official filing · details not yet checked
What it says about employer contributions

le U.S. employees who are not provided retirement benefits through a collective bargaining agreement may make contributions through payroll deductions and to which we make certain matching contributions. Ethics and Compliance All of our employees are subject to Quanta’s Code of Conduct, which addresses compliance with applicable laws and Quanta’s policies concerning, among other things, general business ethics, competition, anti-corruption and bribery, environmental protection, conflicts of interest, harassment and discrimination, data security and privacy, and insider trading. Quanta’s Code of Conduct also informs employees and third parties (such as suppliers, subcontractors and members of the public) about the resources and confidential reporting mechanisms available to detect, prevent

What it says about vesting

law. Quanta may also make discretionary employer contributions to such plan. Matching contributions vest immediately, and discretionary employer contributions may be subject to a vesting schedule determined at the time of the contribution, provided that vesting accelerates upon a change in control or the participant’s death or retirement. All matching and discretionary employer contributions, whether vested or not, are forfeited upon a participant’s termination of employment for cause or upon the participant engaging in competition with Quanta or any of its affiliates. As of December 31, 2025 and 2024, the liability related to deferred cash compensation under these plans, including amounts contributed by Quanta, was $ 126.1 million and $ 110.2 million, the majority of which was included i

What it says about fees

2 20.1 % Gross profit 4,275,081 15.0 3,510,761 14.8 764,320 21.8 % Equity in earnings of integral unconsolidated affiliates 55,635 0.2 50,484 0.2 5,151 10.2 % Selling, general and administrative expenses (2,189,209) (7.7) (1,824,754) (7.7) (364,455) 20.0 % Amortization of intangible assets (498,795) (1.7) (382,959) (1.6) (115,836) 30.2 % Increase in fair value of contingent consideration liabilities (31,203) (0.1) (7,064) — (24,139) 341.7 % Operating income 1,611,509 5.7 1,346,468 5.7 265,041 19.7 % Interest and other financing expenses (261,445) (1.0) (202,687) (0.9) (58,758) 29.0 % Interest income 15,702 0.1 32,404 0.1 (16,702) (51.5) % Other income, net 23,739 0.1 35,845 0.2 (12,106) (33.8) % Income before income taxes 1,389,505 4.9 1,212,030 5.1 177,475 14.6 % Provision for income taxe

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_ID20260501220550NAL0002524402028
Data sourceDOL Form 5500 bulk data ↗
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