No issues reported
Central Lakes Physicians, P.A.
45-2205698· Crosby, MN· 2025 filing
A
0/100
Overall grade
Strong plan across the board.
–
Fees
–
Financial Wellness
A
Plan design
A
Compliance
Fees
This plan's fees aren't public. Enter yours to grade them against similar plans.
Financial Wellness
Contribution data isn't available for this plan.
Plan design
Covers the basics. A few high-impact features are missing.
Employer match
The plan matches employee contributions, the single strongest driver of participation and savings.
Profit sharing
The employer also makes profit-sharing contributions on top of the match.
Automatic enrollment
New hires are enrolled by default. Plans with auto-enroll see much higher participation.
Safe harbor not reported
The filing does not establish whether this plan uses a safe harbor design, so it does not affect the grade.
Default investment (QDIA)
Employees who never pick investments land in a sensible default, usually a target-date fund, instead of cash.
No brokerage window
Employees can only invest through the plan's core fund menu. A brokerage window opens the wider market for people who want more control.
Compliance & health
No compliance issues reported on the latest filing.
No issues reported
The latest public filing does not report any of the compliance issues this grade checks.
Compare
How does Central Lakes Physicians, P.A. stack up against another company?
Search a competitor to see the two report cards side by side.
Prefer to use your EIN?
Recordkeeper
Not identified
Key insights
- Strongest area: compliance & health. No compliance issues reported on the latest filing.
- Best place to improve: plan design. Covers the basics. A few high-impact features are missing.
- Enter your fees (PEPM, monthly, and AUM %) to see exactly how your costs compare.
Ask about your plan
Grounded in your Form 5500 data
Live
Try asking:
Shift+Enter for new line · Enter to send