Department of Labor filing

THE COVE SCHOOL, INC.

THE COVE SCHOOL RETIREMENT PLAN · For the plan year ended Jun 30, 2025

Public filing 2024 · received Apr 14, 2026Verified current terms Not available

Plan at a glance

How good does the filing look?

28filing comparison
out of 100

The filing trails many comparable plans on reported employer support and/or plan-paid administrative costs. This is a filing comparison, not a complete benefits score.

$Employer support

$418

Reported employer contributions per active participant.

Higher than about 10% of comparable plans

#People in the filing

157

Active participants reported for 2024.

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

¢Visible plan-paid fees

$54 / participant

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

Lower cost than about 69% of comparable plans

↗Investment performance

Not available

Plan assets changed 19.4%, 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 · 202428out of 100 among similar-size plans in the same industry when enough peers exist

How this filing compares

Reported employer contributions10th percentileTypical peer $1,873 · based on 503 comparable plans

Lower reported administrative expense69th percentileTypical peer $108 · based on 522 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 Jun 30, 2025, THE COVE SCHOOL, INC. reported $65,697 in employer contributions across the plan and 157 active participants. That works out to $418 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 proxy87%

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 trendDown 10.6%

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

Expense trendDown 24.0%

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

Peer context28/100

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: $65,697
Participant contributions: $607,302
Other contributions: $39,616
Employer share of reported contributions: 9.8%
Beginning assets: $6,901,695
Ending assets: $8,241,107
Ending net assets: $8,241,107
Ending liabilities: $0
Total income: $1,658,377
Total expenses: $318,965
Administrative expenses: $10,060
Participant loans: $2,921

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

$468

2023

$389

2024

$418

Plan-paid administrative expenses per participant

2022

$70

2023

$62

2024

$54

Active participants

2022

119

2023

152

2024

157

Detailed filing history
Plan year	Per active participant	Active participants	Plan assets	Filing ID
2024	$418	157	8.2M	20260414131655NAL0023792450001
2023	$389	152	6.9M	20250410131521NAL0035489792001
2022	$468	119	5.6M	20240405151240NAL0009723347001

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: Unqualified opinion Code 1
Late participant contributions reported: Not stated in the filing
Public plan identifier: 390930993-001

Reported plan details

Identity and filing status

Plan type: Retirement plan
Employer arrangement: Single-employer plan
Plan effective date: Sep 1, 2001
Industry: Educational services
Amended filing: No
Final filing for this plan: No
Short plan year: No
401(k) feature reported: Yes
Show DOL characteristic codes
2E2F2G2J2T3D

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 ACK_ID20260414131655NAL0023792450001

Data sourceDOL Form 5500 bulk data ↗

Filing searchEFAST2 ↗