Department of Labor filing

NEWMARKET FINANCIAL ADVISORS

NEWMARKET FINANCIAL ADVISORS 401(K) PLAN · For the plan year ended Dec 31, 2025

Public filing 2025 · received Jul 15, 2026Verified current terms Not available

Plan summary

What matters most

This plan has a documented employer contribution and vesting that still needs verification. Reported employer contributions are around the middle of comparable plans.

60Fair plan health
high confidence

See what drives the plan health score

Employer contributions versus peers66/10030% of the full model

Lower reported administrative cost43/10020% of the full model

Active-participant trend50/10010% of the full model

Net-asset trend50/10010% of the full model

Participant-loan burden100/10010% of the full model

Reported compliance signals20/10010% 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

yInInterestMember neu:EBP002Member 2025-01-01 2025-12-31 0001282637 us-gaap-ebp:EmployeeBenefitPlanOtherRelatedPartyAndPartyInInterestMember neu:EBP002Member 2025-12-31 0001282637 Matching contributions | Common stock; no par value neu:EBP002Member 2025-12-31 0001282637 Employee deferrals | Common stock; no par value neu:EBP002Member 2025-12-31 0001282637 Tredegar Corporation Common Stock Fund | Common stock; no par value neu:EBP002Member 2025-12-31 0001282637 Albemarle Corporation Common Stock Fund | Common stock; par value $0.01 neu:EBP002Member 2025-01-01 2025-12-31 0001282637 Albemarle Corporation Common Stock Fund | Common stock; par value $0.01 neu:EBP002Member 2025-12-31 0001282637 Vanguard Federal Money Market Inv | Money Market neu:EBP002Member 2025-12-31 0001282637 MFS Internatio

02 · What it could be worthSee formula

The official filing does not support a reliable dollar example.

08 · Roth 401(k)Available

vestment manager and trustee and Merrill Lynch, Pierce, Fenner & Smith, Inc. is the Plan's record-keeper. Contributions Participants in the Plan may make pre-tax contributions and Roth contributions from 1 % to 50 % of their base pay, as defined in the Plan document. Roth contributions to the Plan are made on an after-tax basis, and qualified distributions are not subject to income taxes. Participants may make after-tax contributions from 1 % to 15 % of their base pay. The total of pre-tax, after-tax, and Roth contributions may not exceed 50 % of base pay. In addition, federal law places a dollar limit on the amount of combined pre-tax and Roth contributions an individual can make to 401(k) plans during a calendar year. NewMarket may also impose an annual Plan contribution limitation that

09 · Employer contribution vs. peers66th percentile

Up 0.0% over the filing history shown.

10 · Plan health60/100

Participation up 0.0% · assets up 0.0% · loans 0.4% of assets

How the score works →

What still needs verification

vesting, employee fees, investment choices, eligibility, automatic enrollment. 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 · 202559out of 100 among similar-size plans in the same industry when enough peers exist

How this filing compares

Reported employer contributions66th percentileTypical peer $3,117 · based on 21,825 comparable plans

Lower reported administrative expense43rd percentileTypical peer $105 · based on 18,019 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, NEWMARKET FINANCIAL ADVISORS reported $28,695 in employer contributions across this plan, or $4,783 per active participant. This is the best company-wide filing average available—not a promise of what any one employee receives.

People actively participating6

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 comparison59/100

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: $28,695
Participant contributions: $66,729
Other contributions: Not reported
Employer share of contributions: 30.1%
Active participants: 6
Total participants: 6
Ending assets: $820,038
Net-asset change: Up 0.0%
Beginning net assets: $594,839
Ending net assets: $820,038
Beginning liabilities: Not reported
Ending liabilities: Not reported
Total income: $226,139
Total expenses: $940
Administrative expenses: $940
Participant loans: $3,508

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

$4,783

Administrative cost per participant

2025

$157

Active participants

2025

Total plan assets

2025

$820,038

Participant loans as a share of assets

2025

0.4%

Detailed filing history
Plan year	Employer money per active participant	Active participants	Plan assets
2025	$4,783	6	820K

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: 0.4%
Independent accountant’s opinion: Not stated in the filing
Late participant contributions reported: Yes · $38,753A “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: 270214270-001

Reported plan details

Identity and filing status

Plan type: Retirement plan
Employer arrangement: 1
Plan effective date: Jan 1, 2020
Industry: Finance and insurance
Amended filing: No
Final filing for this plan: No
Short plan year: No
401(k) feature reported: Yes
Show DOL characteristic codes
2E2F2G2J2T3D

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, 2025NEWMARKET CORP — 11-K filed 2026-05-18 ↗

Official filing · details not yet checked

What it says about employer contributions

What it says about vesting

has evaluated notes receivable from participants for collectability and has determined that no allowance is necessary. Forfeitures Participants who leave NewMarket before becoming fully vested in NewMarket contributions forfeit the value of their nonvested account. Forfeitures during a Plan year can serve to reduce required Company contributions and/or to cover Plan administrative expenses. Forfeitures that reduced the Company’s contributions were $ 201,550 for 2025 and $ 122,504 for 2024. The forfeiture balance at both December 31, 2025 and December 31, 2024 was immaterial. Employee Stock Ownership Plan Feature A portion of the Plan’s assets are designated as an employee stock ownership plan (ESOP), comprised of the NewMarket Corporation Common Stock Fund. Dividends declared on NewMarket

What it says about fees

ment funds in one percent increments and may transfer among the active funds at any time, subject to the restriction described below under "Employee Stock Ownership Plan Feature." Administrative Expenses Costs of administering the Plan are primarily paid by NewMarket. 4 Savings Plan for the Employees of NewMarket Corporation and Affiliates Notes to Financial Statements December 31, 2025 and December 31, 2024 Participant Accounts Each participant’s account is adjusted for the participant’s contributions, the Company’s contributions, trading fees, and allocations of Plan earnings or losses. Allocations of Plan earnings or losses are based on account balances, as defined by the Plan. The benefit to which a participant is entitled is the benefit that can be provided from the participant’s vest

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.

Share a document →

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_ID20260715153925NAL0004485410001

Data sourceDOL Form 5500 bulk data ↗

Filing searchEFAST2 ↗