Department of Labor filing

STERN THERAPY CONSULTANTS, LLC

STERN THERAPY CONSULTANTS, LLC 401(K) PLAN · For the plan year ended Dec 31, 2024

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Public filing 2024 · received Sep 30, 2025Verified current terms Not available

Plan at a glance

How good does the filing look?

45filing comparison
out of 100

The filing looks broadly typical among comparable plans. This is a filing comparison, not a complete benefits score.

$Employer support

$52

Reported employer contributions per active participant.

Higher than about 26% of comparable plans

#People in the filing

2,460

Active participants reported for 2024.

The filing does not say how many employees are currently contributing.

¢Visible plan-paid fees

$11 / participant

Reported administrative expense—not every fee an employee may pay.

Lower cost than about 91% of comparable plans

↗Investment performance

Not available

Plan assets changed 99.9%, but that includes contributions, withdrawals, and market movement.

Asset change is not investment performance.

What we still need to judge the benefit

Current match formula, vesting, eligibility, investment choices, fund expense ratios, and employee-level fees.

See missing terms ↓

Filing comparison · 202445out of 100 among similar-size plans in the same industry when enough peers exist

How this filing compares

Reported employer contributions26th percentileTypical peer $129 · based on 105 comparable plans

Lower reported administrative expense91st percentileTypical peer $36 · based on 119 comparable plans

This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.

The short version

What the latest filing tells us

For the plan year ended Dec 31, 2024, STERN THERAPY CONSULTANTS, LLC reported $128,702 in employer contributions across the plan and 2,460 active participants. That works out to $52 per active participant. It is useful context, but it is not the current match formula and it does not show what any one employee received.

Participation proxy98%

Active participants divided by all end-of-year plan participants. This is not the company participation rate because the filing does not report every eligible employee.

Employer money trendUp 468.4%

Change in reported employer contribution per active participant across the filing history shown.

Expense trendUp 19.2%

Change in reported administrative expense per participant. Investment expenses may not be included.

Peer context45/100

A filing comparison among similar-size plans in the same industry when enough peers exist.

Where the public filing stops

Current match, vesting, eligibility, employee fees, and investment choices require a dated plan document. Until we have one, those details stay blank.

Latest financial record

Contributions, assets, and expenses

These figures are reported totals for the plan—not individual account balances or promises to any employee.

Employer contributions: $128,702
Participant contributions: $803,974
Other contributions: $768,836
Employer share of reported contributions: 13.8%
Beginning assets: $1,813,748
Ending assets: $3,626,012
Ending net assets: $3,607,738
Ending liabilities: $18,274
Total income: $1,995,542
Total expenses: $189,005
Administrative expenses: $21,937
Participant loans: $0

Three-year filing history

How the reported figures changed

Each chart uses its own scale and starts at zero. When the filing has no value, the chart says so rather than turning it into a zero.

Employer contributions reported per active participant

2022

2023

2024

$52

Plan-paid administrative expenses per participant

2022

2023

2024

$11

Active participants

2022

858

2023

1,803

2024

2,460

Detailed filing history
Plan year	Per active participant	Active participants	Plan assets	Filing ID
2024	$52	2,460	3.6M	20250930150635NAL0013413280001
2023	$8	1,803	1.8M	20241105112531NAL0016927538001
2022	$9	858	1.4M	20231012224659NAL0065418818001

Changes in plan assets are not the same as investment performance. Each row uses the selected public filing for that year.

Plan operations

Details worth knowing

Participant loans as a share of plan assets: 0.0%
Independent accountant’s opinion: Disclaimer of opinion Code 3
Late participant contributions reported: Not stated in the filing
Public plan identifier: 463265648-001

Reported plan details

Identity and filing status

Plan type: Retirement plan
Employer arrangement: Single-employer plan
Plan effective date: Jan 1, 2017
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
2A2E2J2K2F2G3D3H

Current plan terms

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Filing ACK_ID20250930150635NAL0013413280001

Data sourceDOL Form 5500 bulk data ↗

Filing searchEFAST2 ↗