Missouri › Finance and insurance › 100 to 249 participants
Form 5500 statement · plan year 1 Jan 2025 to 31 Dec 2025
Solar Mosaic, LLC 401(k) Plan
Sponsored by Solar Mosaic LLC, Saint Louis, MO
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.
Solar Mosaic, LLC 401(k) Plan is a 401(k) plan sponsored by Solar Mosaic LLC of Saint Louis, Missouri. For the plan year ending 31 Dec 2025 it reported 133 participants, 3 of them active, and net assets of $8.9M.
Net assets came to $52,536 per participant in plan year 2024, above the $48,746 median for defined contribution plans with 250 to 499 participants and well below the $92,294 median for defined contribution plans in finance and insurance. The figure is an average across everyone in the plan, including former employees with small balances; Form 5500 holds no individual account data.
The employer contributed $567K during the year, or $189,031 per active participant against a same-size median of $2,017; participants contributed $1.4M and $60K arrived as rollovers and other contributions. Benefits paid out totalled $9.3M.
Schedule C lists 3 service provider organisations paid $5,000 or more, with reported compensation of $46K: $345 per participant, well below the same-size median of $141. Administrative expenses charged to the plan were $46K. Schedule C does not capture every cost: fees netted from fund returns and fees the employer pays directly are outside it.
Across the filings on record, net assets went from $2.7M in 2018 to $8.9M in 2025 (up 229%), and participants from 197 to 133 (down 32%).
The independent accountant's opinion on the financial statements was disclaimer, 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, plan year 2024 | This plan | Same size | Same industry | All US DC plans |
|---|---|---|---|---|
| Net assets per participant | $52,536 | $48,746 | $92,294 | $53,102 |
| Employer contributions per active participant | $4,806 | $2,017 | $3,564 | $2,175 |
| Schedule C compensation per participant | $42.84 | $141 | $137 | $123 |
| Schedule C compensation, share of net assets | 0.08% | 0.30% | 0.17% | 0.26% |
| Administrative expenses per participant | $42.84 | $133 | $130 | $116 |
Peer columns are medians for plan year 2024 across defined contribution plans with 100 or more participants: 250 to 499 participants (17,456 plans), finance and insurance (4,391) and all US plans (63,460). Fee medians cover plans that report an amount.
Trend by plan year
| Plan year | Participants | Net assets | Per participant | Employer contributions | Participant contributions | Schedule C compensation |
|---|---|---|---|---|---|---|
| 2025 | 133 | $8.9M | $67,180 | $567K | $1.4M | $46K |
| 2024 | 265 | $13.9M | $52,536 | $745K | $1.9M | $11K |
| 2023 | 352 | $13.9M | $39,358 | $1.2M | $2.9M | $7,000 |
| 2022 | 373 | $8.9M | $23,737 | $1.1M | $2.4M | $4,000 |
| 2021 | 255 | $6.4M | $25,286 | $101K | $1.4M | $1,000 |
| 2020 | 200 | $4.8M | $23,890 | — | $1.1M | $2,000 |
| 2019 | 244 | $3.6M | $14,930 | — | $1.4M | $2,000 |
| 2018 | 197 | $2.7M | $13,802 | — | $1.5M | $0 |
Years in which the plan filed the full Form 5500 with 100 or more participants, from 2009. Plan year is the year in which the plan year began.
Statement for the year
- Net assets, beginning of year$13,922,126
- Employer contributions$567,093
- Participant contributions$1,354,876
- Rollovers and other contributions$59,794
- Total contributions$1,981,763
- Total income, including investment results$4,414,194
- Benefits paid$9,274,643
- Administrative expenses$45,904
- Total expenses$9,401,762
- Net income−$4,987,568
- Net transfers$0
- Net assets, end of year$8,934,558
Participants
- Active participants3
- Retired or separated, receiving benefits0
- Retired or separated, entitled to future benefits130
- Participants with account balances131
- Total participants, end of year133
Fees and service providers
| Organisation | Services reported | Direct | Indirect |
|---|---|---|---|
| Law Office of Matthew J. Borror | Recordkeeping and information management; Consulting (pension) | $32,780 | $0 |
| ADP, Inc. | Recordkeeping and information management; Participant loan processing | $13,124 | $0 |
| ADP Broker-Dealer | Shareholder servicing fees; Sub-transfer agency fees | $0 | $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
- Legal fees$32,780
- Recordkeeping fees$13,124
- Total administrative expenses$45,904
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)$8.9M · 99.5%
- Participant loans$45K · 0.5%
Audit and compliance answers, as filed
- Accountant's opinionDisclaimer
- Audit scope limited under ERISA section 103(a)(3)(C)Yes
- Accounting firmLaw Office of Matthew J. Borror
- Participant contributions reported as transmitted lateNo
- Covered by a fidelity bondNo
- 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 plan2JCode section 401(k) feature2KCode section 401(m) arrangement2S401(k) plan or 403(b) plan that provides for automatic enrollment2TTotal or partial participant-directed account plan with a default investment account3DPre-approved pension plan
Codes entered on Form 5500 line 8a, with the labels from the official instructions. Business code 522291: Consumer Lending.
Similar plans in Missouri
| Plan | Sponsor | Participants | Net assets | Per participant |
|---|---|---|---|---|
| Peoples Savings Bank of Rhineland 401(k) Plan | Peoples Savings Bank of Rhineland | 134 | $7.9M | $58,702 |
| Parkside Financial Bank & Trust 401(k) Retirement Plan | Parkside Financial Inc. | 127 | — | — |
| Phelps County Bank Employee Stock Ownership Plan | Phelps County Bancshares, Inc. | 136 | $48.5M | $356,727 |
| Rhineland Bancshares, Inc. Employee Stock Ownership Plan | Rhineland Bancshares, Inc. | 121 | — | — |
| Maries County Bancorp, Inc. ESOP | Maries County Bancorp, Inc. | 136 | $7.1M | $52,512 |
| Centene Consolidated Frozen Retirement Plan | Centene Corporation | 117 | $9.4M | $80,688 |
Defined contribution plans in finance and insurance closest in size.
Questions and answers
How big is Solar Mosaic, LLC 401(k) Plan?
133 participants at the end of the plan year ending 31 Dec 2025, of whom 3 were active employees, with net assets of $8,934,558. Among defined contribution plans that places it in the 100 to 249 participants band, which held 17,456 plans in plan year 2024.
What does Solar Mosaic LLC contribute per participant?
The filing reports $567,093 in employer contributions for the year, which is $189,031 per active participant; the median for plans of the same type and size was $2,017 in plan year 2024. Form 5500 reports the total only. It does not state the match formula, and the per-participant figure is an average, not any one person's contribution.
What fees does the plan pay and how do they compare?
Schedule C reports $45,904 in compensation to service provider organisations, $345 per participant or 0.51% of net assets. The same-size median among plans reporting any Schedule C compensation was $141 per participant. Administrative expenses on Schedule H were $45,904. 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 Solar Mosaic LLC. Recordkeeping or administration: Law Office of Matthew J. Borror and ADP, Inc.. The financial statements were audited by Law Office of Matthew J. Borror. 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 disclaimer opinion from a limited-scope audit, in which the accountant did not audit investment information certified by a bank or insurance company. A disclaimer of opinion was the usual result of a limited-scope audit under the rules in force before 2021 and is not by itself a finding about the plan.
How current is this, and does it show my balance?
This is the Form 5500 for the plan year 1 Jan 2025 to 31 Dec 2025, received by the Department of Labor on 16 Jul 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 61-1653655, plan 001, received 16 Jul 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.