California › Educational services › 5,000 to 24,999 participants
Form 5500 statement · plan year 1 Jul 2024 to 30 Jun 2025
Think Together - 403(b) Erisa Plan
Sponsored by Think Together, Santa Ana, CA
Form 5500 information is as filed by the plan administrator with the Department of Labor and may be amended. Figures reflect the plan year shown, not current balances. Form 5500 contains no individual account balances. Look up the original filing at EFAST2.
Think Together of Santa Ana, California sponsors Think Together - 403(b) Erisa Plan, a 403(b) plan. Its Form 5500 for the plan year ending 30 Jun 2025 shows 8,181 participants (6,118 active) and $10.1M in net assets.
Net assets came to $1,231 per participant, well below the $64,499 median for defined contribution plans with 5,000 to 24,999 participants and well below the $73,018 median for defined contribution plans in educational services. The figure is an average across everyone in the plan, including former employees with small balances; Form 5500 holds no individual account data.
Schedule C lists 2 service provider organisations paid $5,000 or more, with reported compensation of $223K: $27.21 per participant, well below the same-size median of $53.38. Administrative expenses charged to the plan were $222K. Schedule C does not capture every cost: fees netted from fund returns and fees the employer pays directly are outside it.
The independent accountant's opinion on the financial statements was unmodified (unqualified), from an audit whose scope was limited under ERISA section 103(a)(3)(C) to exclude investment information certified by a bank or insurer.
Compared with similar plans
| Measure | This plan | Same size | Same industry | All US DC plans |
|---|---|---|---|---|
| Net assets per participant | $1,231 | $64,499 | $73,018 | $53,102 |
| Employer contributions per active participant | — | $2,424 | $2,838 | $2,175 |
| Schedule C compensation per participant | $27.21 | $53.38 | $95.66 | $123 |
| Schedule C compensation, share of net assets | 2.2% | 0.09% | 0.13% | 0.26% |
| Administrative expenses per participant | $27.13 | $54.85 | $89.26 | $116 |
Peer columns are medians for plan year 2024 across defined contribution plans with 100 or more participants: 5,000 to 24,999 participants (2,605 plans), educational services (2,753) and all US plans (63,460). Fee medians cover plans that report an amount.
Statement for the year
- Net assets, beginning of year$6,308,136
- Employer contributions—
- Participant contributions$3,465,958
- Rollovers and other contributions$123,524
- Total contributions$3,589,482
- Total income, including investment results$4,693,680
- Benefits paid$706,057
- Administrative expenses$221,988
- Total expenses$928,045
- Net income$3,765,635
- Net transfers$0
- Net assets, end of year$10,073,771
Participants
- Active participants6,118
- Retired or separated, receiving benefits0
- Retired or separated, entitled to future benefits2,063
- Participants with account balances6,853
- Total participants, end of year8,181
Fees and service providers
| Organisation | Services reported | Direct | Indirect |
|---|---|---|---|
| ADP | Recordkeeping and information management; Participant loan processing | $210,857 | $650 |
| Intelligence Driven Advisers, LLC | Recordkeeping and information management; Trustee (bank, trust company, or similar financial institution); Other services | $11,131 | $0 |
Schedule C, Part I line 2: providers that received $5,000 or more, with the form's own service codes. Individuals named on Schedule C (plan employees, individual trustees) are never shown and their compensation is excluded. Eligible indirect compensation disclosed by formula carries no dollar amount. See how to read Schedule C fees.
Administrative expenses on Schedule H
- Recordkeeping fees$221,338
- Other administrative expenses$650
- Total administrative expenses$221,988
Investment structure
Assets at year end by Schedule H category. The form shows the kind of vehicle holding the money, not the funds on the menu.
- Registered investment companies (mutual funds)$10.0M · 99.7%
- Participant loans$27K · 0.3%
Audit and compliance answers, as filed
- Accountant's opinionUnmodified (unqualified)
- Audit scope limited under ERISA section 103(a)(3)(C)Yes
- Accounting firmSingerlewak
- Participant contributions reported as transmitted lateNo
- Covered by a fidelity bondYes, $500,000
- Blackout period during the yearNo
These are the plan administrator's own answers on Schedule H, Part IV. A reported late transmittal is the filer's disclosure of a timing lapse, usually corrected through the Department of Labor's voluntary program; the amount is the total involved, not a loss.
Plan characteristics
2EProfit-sharing plan2FERISA section 404(c) plan2GTotal participant-directed account plan2MCode section 403(b)(7) accounts (custodial accounts for regulated investment company stock)2S401(k) plan or 403(b) plan that provides for automatic enrollment3DPre-approved pension plan
Codes entered on Form 5500 line 8a, with the labels from the official instructions. Business code 611000: Educational Services (including schools, colleges, & universities).
Similar plans in California
| Plan | Sponsor | Participants | Net assets | Per participant |
|---|---|---|---|---|
| Caltech Voluntary Retirement Plan | California Institute of Technology | 11,613 | $2.34B | $201,138 |
| National University Retirement Savings Plan | National University | 7,455 | $319M | $42,833 |
| Caltech Base Retirement Plan | California Institute of Technology | 22,143 | $5.25B | $236,945 |
| Keck Medicine of Usc 401(k) Retirement Plan | University of Southern California | 6,879 | $186M | $27,056 |
| Stanford Contributory Retirement Plan | The Board of Trustees of the Leland Stanford Junior University | 43,741 | $12.6B | $287,331 |
| University of la Verne 403(b) Retirement Savings Plan | University of la Verne | 6,471 | $266M | $41,138 |
Defined contribution plans in educational services closest in size.
Questions and answers
How big is Think Together - 403(b) Erisa Plan?
8,181 participants at the end of the plan year ending 30 Jun 2025, of whom 6,118 were active employees, with net assets of $10,073,771. Among defined contribution plans that places it in the 5,000 to 24,999 participants band, which held 2,605 plans in plan year 2024.
What does Think Together contribute per participant?
This filing has no Schedule H financial statement, so employer contributions are not reported here.
What fees does the plan pay and how do they compare?
Schedule C reports $222,638 in compensation to service provider organisations, $27.21 per participant or 2.2% of net assets. The same-size median among plans reporting any Schedule C compensation was $53.38 per participant. Administrative expenses on Schedule H were $221,988. Investment costs deducted inside mutual funds and other pooled vehicles are not itemised on Form 5500, so these figures are a floor rather than a full cost.
Who runs the plan?
The sponsor is Think Together. Recordkeeping or administration: ADP and Intelligence Driven Advisers, LLC. Trustee or custodian: Intelligence Driven Advisers, LLC. The financial statements were audited by Singerlewak. Form 5500 also names the plan administrator's signer and other individuals; this site publishes organisations only.
Was the audit opinion unqualified?
The filing reports an unmodified (unqualified) opinion from a limited-scope audit, in which the accountant did not audit investment information certified by a bank or insurance company. Unmodified (formerly "unqualified") is the standard clean opinion.
How current is this, and does it show my balance?
This is the Form 5500 for the plan year 1 Jul 2024 to 30 Jun 2025, received by the Department of Labor on 13 Apr 2026. Filings are due seven months after the plan year ends, or nine and a half with an extension, so the public record always runs a year or more behind. It contains plan-level totals only: no individual balances, contributions or names of participants exist in the data.
Provenance
Source: U.S. Department of Labor, Employee Benefits Security Administration, Form 5500 research files (Form 5500, Schedule H, Schedule C) for plan years 2009 to 2025, public domain, with filings received through 24 Aug 2026. This page shows the latest filing on record for EIN 33-0781751, plan 001, received 13 Apr 2026; an amended filing replaces it at the next build. Medians and percentiles are computed by this site; see the methodology. Report an error through corrections.