{"id":11208,"date":"2026-10-23T09:03:19","date_gmt":"2026-10-23T14:03:19","guid":{"rendered":"https:\/\/rixtrema.com\/blog\/?p=11208"},"modified":"2026-10-23T09:24:51","modified_gmt":"2026-10-23T14:24:51","slug":"how-paired-form-5500-990-data-transforms-nonprofit-plans","status":"publish","type":"post","link":"https:\/\/rixtrema.com\/blog\/how-paired-form-5500-990-data-transforms-nonprofit-plans\/","title":{"rendered":"How paired Form\u202f5500 &amp;\u202f990 data transforms nonprofit plans"},"content":{"rendered":"\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:15%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:70%\" id=\"video\">\n<iframe loading=\"lazy\" title=\"vimeo-player\" src=\"https:\/\/player.vimeo.com\/video\/1238802757?h=d60572971f\" width=\"640\" height=\"360\" frameborder=\"0\"    allowfullscreen><\/iframe>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:15%\"><\/div>\n<\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-text-color has-background\" style=\"color:#000000;background-color:#ffffff\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-499968f5 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-50\"><a class=\"wp-block-button__link has-luminous-vivid-orange-background-color has-text-color has-background has-medium-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/rixtrema.com\/landings_proplus?source=blog231026\" style=\"border-radius:21px;color:#ffffff\" target=\"_blank\" rel=\"noreferrer noopener\">Request a Demo<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"ui-markdown__paragraph ui-z80ra4 ui-uu7i3w ui-1nhcn8o ui-j7cesy ui-13faqbe ui-14l7nz5 ui-zboxd6 ui-19d5a1n ui-bpgzfc\">Most advisors know Form 5500 for retirement plans and Form 990 for nonprofits. Few connect them for the\u00a0<span class=\"font-semibold\" data-streamdown=\"strong\">same organization<\/span>.<\/p>\n<p class=\"ui-markdown__paragraph ui-z80ra4 ui-uu7i3w ui-1nhcn8o ui-j7cesy ui-13faqbe ui-14l7nz5 ui-zboxd6 ui-19d5a1n ui-bpgzfc\">When a charity sponsors a 401(k) or 403(b), Form 5500 describes the\u00a0<span class=\"font-semibold\" data-streamdown=\"strong\">plan<\/span>\u2014assets, participants, contributions, fees, and benefits. Form 990 describes the\u00a0<span class=\"font-semibold\" data-streamdown=\"strong\">sponsor<\/span>\u2014total assets, revenue, expenses, investments, grants, leadership compensation, and headcount.<\/p>\n<p class=\"ui-markdown__paragraph ui-z80ra4 ui-uu7i3w ui-1nhcn8o ui-j7cesy ui-13faqbe ui-14l7nz5 ui-zboxd6 ui-19d5a1n ui-bpgzfc\">Viewed together, you see plan assets in context: Is the retirement program sized for the organization? How do industry and geography shape design? Pairing those filings links plan assets, nonprofit assets, industry, and geography in one picture.<\/p>\n<p class=\"ui-markdown__paragraph ui-z80ra4 ui-uu7i3w ui-1nhcn8o ui-j7cesy ui-13faqbe ui-14l7nz5 ui-zboxd6 ui-19d5a1n ui-bpgzfc\">Across all 50 states and DC, there are on the order of\u00a0<span class=\"font-semibold\" data-streamdown=\"strong\">55,000\u201360,000<\/span>\u00a0nonprofit retirement plans. For advisors building a nonprofit practice, the paired view is the difference between \u201cyou have a 403(b)\u201d and \u201chere\u2019s how your plan fits your balance sheet and your peers.\u201d<\/p>\n<hr class=\"ui-markdown__hr ui-1x419k1 ui-198axqt ui-178xt8z ui-13fuv20 ui-1aeic0j ui-gfja2r ui-1qhh985 ui-yj58a3 ui-14l7nz5 ui-zboxd6\" \/>\n<h2 class=\"ui-markdown__heading ui-13ebx5f ui-x6cpbe ui-14l7nz5 ui-zboxd6 ui-2rll1g ui-1pz8kdr ui-1rrfizd ui-1qaq26d\">2. Benchmarking nonprofit retirement at scale: what the numbers actually say<\/h2>\n<p class=\"ui-markdown__paragraph ui-z80ra4 ui-uu7i3w ui-1nhcn8o ui-j7cesy ui-13faqbe ui-14l7nz5 ui-zboxd6 ui-19d5a1n ui-bpgzfc\"><span class=\"font-semibold\" data-streamdown=\"strong\">Subtitle:<\/span>\u00a0A sector snapshot for advisors who serve large sponsors.<\/p>\n<p class=\"ui-markdown__paragraph ui-z80ra4 ui-uu7i3w ui-1nhcn8o ui-j7cesy ui-13faqbe ui-14l7nz5 ui-zboxd6 ui-19d5a1n ui-bpgzfc\">A focused analysis of\u00a0<span class=\"font-semibold\" data-streamdown=\"strong\">7,635<\/span>\u00a0sponsors\u2014each with\u00a0<span class=\"font-semibold\" data-streamdown=\"strong\">more than $10 million<\/span>\u00a0in plan assets\u2014shows how big the nonprofit retirement market really is:<\/p>\n<ul class=\"ui-markdown__list ui-78zum5 ui-dt5ytf ui-1ae8yn7 ui-13vk20g ui-1e8yfua ui-j7cesy ui-1bae07f\">\n<li class=\"ui-markdown__list-item ui--default-marker ui-exx8yu ui-1xpa7k ui-18d9i69 ui-1uhho1l ui-13faqbe ui-ez2fb\" data-md-list-item=\"\"><span class=\"font-semibold\" data-streamdown=\"strong\">~$1.13 trillion<\/span>\u00a0in plan assets among those large sponsors<\/li>\n<li class=\"ui-markdown__list-item ui--default-marker ui-exx8yu ui-1xpa7k ui-18d9i69 ui-1uhho1l ui-13faqbe ui-ez2fb\" data-md-list-item=\"\"><span class=\"font-semibold\" data-streamdown=\"strong\">~95\u201396 million<\/span>\u00a0active participants with account balances in the broader nonprofit plan universe referenced in the data<\/li>\n<li class=\"ui-markdown__list-item ui--default-marker ui-exx8yu ui-1xpa7k ui-18d9i69 ui-1uhho1l ui-13faqbe ui-ez2fb\" data-md-list-item=\"\"><span class=\"font-semibold\" data-streamdown=\"strong\">~$5.17 trillion<\/span>\u00a0in total nonprofit assets on the sponsor side<\/li>\n<\/ul>\n<p class=\"ui-markdown__paragraph ui-z80ra4 ui-uu7i3w ui-1nhcn8o ui-j7cesy ui-13faqbe ui-14l7nz5 ui-zboxd6 ui-19d5a1n ui-bpgzfc\">That scale makes\u00a0<span class=\"font-semibold\" data-streamdown=\"strong\">sector benchmarking<\/span>\u00a0practical: compare any large plan to sponsors of similar size, mission, and region instead of generic 401(k) averages.<\/p>\n<p class=\"ui-markdown__paragraph ui-z80ra4 ui-uu7i3w ui-1nhcn8o ui-j7cesy ui-13faqbe ui-14l7nz5 ui-zboxd6 ui-19d5a1n ui-bpgzfc\">The takeaway for advisors: nonprofit retirement is not a niche sidebar. It is a trillion-dollar asset pool tied to organizations with complex balance sheets, governance, and executive compensation\u2014exactly where holistic advice matters.<\/p>\n<hr class=\"ui-markdown__hr ui-1x419k1 ui-198axqt ui-178xt8z ui-13fuv20 ui-1aeic0j ui-gfja2r ui-1qhh985 ui-yj58a3 ui-14l7nz5 ui-zboxd6\" \/>\n<h2 class=\"ui-markdown__heading ui-13ebx5f ui-x6cpbe ui-14l7nz5 ui-zboxd6 ui-2rll1g ui-1pz8kdr ui-1rrfizd ui-1qaq26d\">3. Plan design gaps on large nonprofit plans: auto-enrollment and QDI<\/h2>\n<p class=\"ui-markdown__paragraph ui-z80ra4 ui-uu7i3w ui-1nhcn8o ui-j7cesy ui-13faqbe ui-14l7nz5 ui-zboxd6 ui-19d5a1n ui-bpgzfc\"><span class=\"font-semibold\" data-streamdown=\"strong\">Subtitle:<\/span>\u00a0Big balance sheets don\u2019t always mean modern defaults.<\/p>\n<p class=\"ui-markdown__paragraph ui-z80ra4 ui-uu7i3w ui-1nhcn8o ui-j7cesy ui-13faqbe ui-14l7nz5 ui-zboxd6 ui-19d5a1n ui-bpgzfc\">Large nonprofit sponsors often lag on plan mechanics that improve outcomes at scale.<\/p>\n<p class=\"ui-markdown__paragraph ui-z80ra4 ui-uu7i3w ui-1nhcn8o ui-j7cesy ui-13faqbe ui-14l7nz5 ui-zboxd6 ui-19d5a1n ui-bpgzfc\">Among the plans in the analysis:<\/p>\n<ul class=\"ui-markdown__list ui-78zum5 ui-dt5ytf ui-1ae8yn7 ui-13vk20g ui-1e8yfua ui-j7cesy ui-1bae07f\">\n<li class=\"ui-markdown__list-item ui--default-marker ui-exx8yu ui-1xpa7k ui-18d9i69 ui-1uhho1l ui-13faqbe ui-ez2fb\" data-md-list-item=\"\"><span class=\"font-semibold\" data-streamdown=\"strong\">61%<\/span>\u00a0do\u00a0<span class=\"font-semibold\" data-streamdown=\"strong\">not<\/span>\u00a0use automatic enrollment<\/li>\n<li class=\"ui-markdown__list-item ui--default-marker ui-exx8yu ui-1xpa7k ui-18d9i69 ui-1uhho1l ui-13faqbe ui-ez2fb\" data-md-list-item=\"\"><span class=\"font-semibold\" data-streamdown=\"strong\">18%<\/span>\u00a0lack a\u00a0<span class=\"font-semibold\" data-streamdown=\"strong\">qualified default investment alternative (QDIA)<\/span><\/li>\n<\/ul>\n<p class=\"ui-markdown__paragraph ui-z80ra4 ui-uu7i3w ui-1nhcn8o ui-j7cesy ui-13faqbe ui-14l7nz5 ui-zboxd6 ui-19d5a1n ui-bpgzfc\">Those gaps matter for participants who never opt in and for sponsors facing fiduciary scrutiny. They also matter for advisors: \u201cwe have a big 403(b)\u201d is not the same as \u201cwe have a well-designed default path.\u201d<\/p>\n<p class=\"ui-markdown__paragraph ui-z80ra4 ui-uu7i3w ui-1nhcn8o ui-j7cesy ui-13faqbe ui-14l7nz5 ui-zboxd6 ui-19d5a1n ui-bpgzfc\">Pairing Form 5500 plan features with Form 990 sponsor profile helps you spot\u00a0<span class=\"font-semibold\" data-streamdown=\"strong\">sponsors who can afford better design but haven\u2019t adopted it<\/span>\u2014a concrete conversation about enrollment, defaults, and fee transparency, not a generic plan review.<\/p>\n<hr class=\"ui-markdown__hr ui-1x419k1 ui-198axqt ui-178xt8z ui-13fuv20 ui-1aeic0j ui-gfja2r ui-1qhh985 ui-yj58a3 ui-14l7nz5 ui-zboxd6\" \/>\n<h2 class=\"ui-markdown__heading ui-13ebx5f ui-x6cpbe ui-14l7nz5 ui-zboxd6 ui-2rll1g ui-1pz8kdr ui-1rrfizd ui-1qaq26d\">4. When the nonprofit is huge but the plan is small: the \u201c&lt;10% of assets\u201d cohort<\/h2>\n<p class=\"ui-markdown__paragraph ui-z80ra4 ui-uu7i3w ui-1nhcn8o ui-j7cesy ui-13faqbe ui-14l7nz5 ui-zboxd6 ui-19d5a1n ui-bpgzfc\"><span class=\"font-semibold\" data-streamdown=\"strong\">Subtitle:<\/span>\u00a0862 organizations with $100M+ and retirement plans that barely register on the balance sheet.<\/p>\n<p class=\"ui-markdown__paragraph ui-z80ra4 ui-uu7i3w ui-1nhcn8o ui-j7cesy ui-13faqbe ui-14l7nz5 ui-zboxd6 ui-19d5a1n ui-bpgzfc\">Bigger nonprofits tend to sponsor bigger plans\u2014the top quartile\u2019s median plan assets sit around\u00a0<span class=\"font-semibold\" data-streamdown=\"strong\">$99.1 million<\/span>, versus about\u00a0<span class=\"font-semibold\" data-streamdown=\"strong\">$15.1 million<\/span>\u00a0for the bottom quartile. The relationship is real, but it isn\u2019t uniform.<\/p>\n<p class=\"ui-markdown__paragraph ui-z80ra4 ui-uu7i3w ui-1nhcn8o ui-j7cesy ui-13faqbe ui-14l7nz5 ui-zboxd6 ui-19d5a1n ui-bpgzfc\"><span class=\"font-semibold\" data-streamdown=\"strong\">862<\/span>\u00a0nonprofits with\u00a0<span class=\"font-semibold\" data-streamdown=\"strong\">more than $100 million<\/span>\u00a0in total assets hold\u00a0<span class=\"font-semibold\" data-streamdown=\"strong\">less than 10%<\/span>\u00a0of those assets inside their retirement plans.<\/p>\n<p class=\"ui-markdown__paragraph ui-z80ra4 ui-uu7i3w ui-1nhcn8o ui-j7cesy ui-13faqbe ui-14l7nz5 ui-zboxd6 ui-19d5a1n ui-bpgzfc\">That pattern flags several advisory stories:<\/p>\n<ul class=\"ui-markdown__list ui-78zum5 ui-dt5ytf ui-1ae8yn7 ui-13vk20g ui-1e8yfua ui-j7cesy ui-1bae07f\">\n<li class=\"ui-markdown__list-item ui--default-marker ui-exx8yu ui-1xpa7k ui-18d9i69 ui-1uhho1l ui-13faqbe ui-ez2fb\" data-md-list-item=\"\">Executives and key employees may be saving\u00a0<span class=\"font-semibold\" data-streamdown=\"strong\">outside<\/span>\u00a0the plan (taxable accounts, deferred comp, insurance wrappers).<\/li>\n<li class=\"ui-markdown__list-item ui--default-marker ui-exx8yu ui-1xpa7k ui-18d9i69 ui-1uhho1l ui-13faqbe ui-ez2fb\" data-md-list-item=\"\">The organization may be\u00a0<span class=\"font-semibold\" data-streamdown=\"strong\">under-using<\/span>\u00a0the plan as a retention and tax-efficiency tool.<\/li>\n<li class=\"ui-markdown__list-item ui--default-marker ui-exx8yu ui-1xpa7k ui-18d9i69 ui-1uhho1l ui-13faqbe ui-ez2fb\" data-md-list-item=\"\"><span class=\"font-semibold\" data-streamdown=\"strong\">Charitable giving<\/span>\u00a0and\u00a0<span class=\"font-semibold\" data-streamdown=\"strong\">retirement income<\/span>\u00a0strategies may be disconnected from what the plan actually holds.<\/li>\n<\/ul>\n<p class=\"ui-markdown__paragraph ui-z80ra4 ui-uu7i3w ui-1nhcn8o ui-j7cesy ui-13faqbe ui-14l7nz5 ui-zboxd6 ui-19d5a1n ui-bpgzfc\">Form 990 shows where wealth lives on the balance sheet; Form 5500 shows what the plan captured. The gap between them is often where high-net-worth executive work begins.<\/p>\n<hr class=\"ui-markdown__hr ui-1x419k1 ui-198axqt ui-178xt8z ui-13fuv20 ui-1aeic0j ui-gfja2r ui-1qhh985 ui-yj58a3 ui-14l7nz5 ui-zboxd6\" \/>\n<h2 class=\"ui-markdown__heading ui-13ebx5f ui-x6cpbe ui-14l7nz5 ui-zboxd6 ui-2rll1g ui-1pz8kdr ui-1rrfizd ui-1qaq26d\">5. From data to four advisory lines: fees, executives, tax, and giving<\/h2>\n<p class=\"ui-markdown__paragraph ui-z80ra4 ui-uu7i3w ui-1nhcn8o ui-j7cesy ui-13faqbe ui-14l7nz5 ui-zboxd6 ui-19d5a1n ui-bpgzfc\"><span class=\"font-semibold\" data-streamdown=\"strong\">Subtitle:<\/span>\u00a0Turning paired filings into services clients will pay for.<\/p>\n<p class=\"ui-markdown__paragraph ui-z80ra4 ui-uu7i3w ui-1nhcn8o ui-j7cesy ui-13faqbe ui-14l7nz5 ui-zboxd6 ui-19d5a1n ui-bpgzfc\"><span class=\"font-semibold\" data-streamdown=\"strong\">Administrative expense ratios<\/span>\u00a0fall as plan assets rise\u2014roughly\u00a0<span class=\"font-semibold\" data-streamdown=\"strong\">23.6 basis points<\/span>\u00a0in the smallest quartile versus about\u00a0<span class=\"font-semibold\" data-streamdown=\"strong\">8 bps<\/span>\u00a0in the largest. Fee conversations should be\u00a0<span class=\"font-semibold\" data-streamdown=\"strong\">size-adjusted<\/span>, not one-size-fits-all.<\/p>\n<p class=\"ui-markdown__paragraph ui-z80ra4 ui-uu7i3w ui-1nhcn8o ui-j7cesy ui-13faqbe ui-14l7nz5 ui-zboxd6 ui-19d5a1n ui-bpgzfc\">Combined 5500\/990 intelligence supports four focused services:<\/p>\n<ol class=\"ui-markdown__list ui-78zum5 ui-dt5ytf ui-1ae8yn7 ui-13vk20g ui-1e8yfua ui-j7cesy ui-1bae07f\">\n<li class=\"ui-markdown__list-item ui--default-marker ui-exx8yu ui-1xpa7k ui-18d9i69 ui-1uhho1l ui-13faqbe ui-ez2fb\" data-md-list-item=\"\"><span class=\"font-semibold\" data-streamdown=\"strong\">Executive financial planning<\/span>\u00a0\u2014 Identify highly compensated leaders and align plan use with total compensation and outside assets.<\/li>\n<li class=\"ui-markdown__list-item ui--default-marker ui-exx8yu ui-1xpa7k ui-18d9i69 ui-1uhho1l ui-13faqbe ui-ez2fb\" data-md-list-item=\"\"><span class=\"font-semibold\" data-streamdown=\"strong\">Tax-aware investing<\/span>\u00a0\u2014 Relate plan holdings, nonprofit investments (from the 990), and personal accounts.<\/li>\n<li class=\"ui-markdown__list-item ui--default-marker ui-exx8yu ui-1xpa7k ui-18d9i69 ui-1uhho1l ui-13faqbe ui-ez2fb\" data-md-list-item=\"\"><span class=\"font-semibold\" data-streamdown=\"strong\">Charitable giving<\/span>\u00a0\u2014 Connect grants, donor-advised patterns, and retirement distributions to mission and tax goals.<\/li>\n<li class=\"ui-markdown__list-item ui--default-marker ui-exx8yu ui-1xpa7k ui-18d9i69 ui-1uhho1l ui-13faqbe ui-ez2fb\" data-md-list-item=\"\"><span class=\"font-semibold\" data-streamdown=\"strong\">Retirement income strategy<\/span>\u00a0\u2014 Bridge plan balances, nonprofit financial health, and sustainable withdrawal\/giving plans.<\/li>\n<\/ol>\n<p class=\"ui-markdown__paragraph ui-z80ra4 ui-uu7i3w ui-1nhcn8o ui-j7cesy ui-13faqbe ui-14l7nz5 ui-zboxd6 ui-19d5a1n ui-bpgzfc\">Picture the workflow: plan metrics on one side (assets, participants, balances, employer contributions, benefit payments, admin costs), sponsor financials on the other (assets, revenue, expenses, investments, grants, org type, industry). That split screen is how you\u00a0<span class=\"font-semibold\" data-streamdown=\"strong\">pinpoint executives, close design gaps, and benchmark against the sector<\/span>\u2014not just report last year\u2019s 5500.<\/p>\n<hr class=\"ui-markdown__hr ui-1x419k1 ui-198axqt ui-178xt8z ui-13fuv20 ui-1aeic0j ui-gfja2r ui-1qhh985 ui-yj58a3 ui-14l7nz5 ui-zboxd6\" \/>\n<h3 class=\"ui-markdown__heading ui-13ebx5f ui-x6cpbe ui-14l7nz5 ui-zboxd6 ui-2rll1g ui-6f599f ui-1rrfizd ui-1qaq26d\">Optional series framing (for your site)<\/h3>\n<div class=\"ui-scroll-area ui-1ekbvf6 ui-1logqu4 ui-1fx8caa ui-8ddqcf ui-1n2onr6 ui-6ikm8r ui-10wlt62 ui-rvj5dj ui-ypqxfk ui-tr57km ui-pa554j ui-14q74kp ui-178xt8z ui-13fuv20 ui-1aeic0j ui-s1s249 ui-32b0ac ui-141kqco ui-so031l ui-1q0q8m5 ui-17fyfba ui-e0pwq ui-19ypqd9 ui-1arpupx ui-1m7fhj7 ui-14l7nz5 ui-zboxd6\" data-scroll-padding=\"4\" data-visibility=\"hover\" data-direction=\"horizontal\">\n<div class=\"ui-scroll-area__viewport ui-175mniq ui-2lwn1j ui-mz0i5r ui-1pjcqnp ui-1rohswg ui-6ehuon ui-fk6m8 ui-w2csxc ui-10wlt62 ui-k8sdt9 ui-1duton ui-101ixbw ui-exgr1p ui-7p5m3t ui-y5w88m\" data-native-scrollbar=\"none\">\n<div class=\"ui-scroll-area__content ui-9f619 ui-gqtt45 ui-193iq5w ui-1us19tq ui-78zum5 ui-14atkfc ui-g7h5cd ui-1q0g3np\">\n<table class=\"ui-markdown__table ui-1mwwwfo ui-ezivpi ui-gqtt45\">\n<thead class=\"ui-markdown__thead ui-jbqb8w ui-18o3ruo\">\n<tr class=\"ui-markdown__tr ui-972fbf ui-gfja2r ui-1qhh985 ui-yj58a3 ui-1iwnq2j\">\n<th class=\"ui-markdown__th ui-uve7l6 ui-16b7oty ui-1rgtt3y ui-o7x2bt ui-dpxx8g ui-16dsc37 ui-s1s249 ui-32b0ac ui-141kqco ui-so031l ui-1q0q8m5 ui-17fyfba ui-1lpyac ui-uxw1ft ui-13ebx5f\">Post<\/th>\n<th class=\"ui-markdown__th ui-uve7l6 ui-16b7oty ui-1rgtt3y ui-o7x2bt ui-dpxx8g ui-16dsc37 ui-s1s249 ui-32b0ac ui-141kqco ui-so031l ui-1q0q8m5 ui-17fyfba ui-1lpyac ui-uxw1ft ui-13ebx5f\">Topic<\/th>\n<th class=\"ui-markdown__th ui-uve7l6 ui-16b7oty ui-1rgtt3y ui-o7x2bt ui-dpxx8g ui-16dsc37 ui-s1s249 ui-32b0ac ui-141kqco ui-so031l ui-1q0q8m5 ui-17fyfba ui-1lpyac ui-uxw1ft ui-13ebx5f\">Hook<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"divide-y divide-border bg-muted\/40\" data-streamdown=\"table-body\">\n<tr class=\"ui-markdown__tr ui-972fbf ui-gfja2r ui-1qhh985 ui-yj58a3 ui-1iwnq2j\">\n<td class=\"ui-markdown__td ui-uve7l6 ui-16b7oty ui-1rgtt3y ui-o7x2bt ui-dpxx8g ui-16dsc37 ui-s1s249 ui-32b0ac ui-141kqco ui-so031l ui-1q0q8m5 ui-17fyfba ui-1lpyac\">\n<div class=\"ui-markdown__table-cell-content ui-1lliihq ui-qh1i3y ui-4xjbyw ui-eaf4i8 ui-1mzt3pk ui-1lldw8n md-table-cell-content\">1<\/div>\n<\/td>\n<td class=\"ui-markdown__td ui-uve7l6 ui-16b7oty ui-1rgtt3y ui-o7x2bt ui-dpxx8g ui-16dsc37 ui-s1s249 ui-32b0ac ui-141kqco ui-so031l ui-1q0q8m5 ui-17fyfba ui-1lpyac\">\n<div class=\"ui-markdown__table-cell-content ui-1lliihq ui-qh1i3y ui-4xjbyw ui-eaf4i8 ui-1mzt3pk ui-1lldw8n md-table-cell-content\">5500 + 990 pairing<\/div>\n<\/td>\n<td class=\"ui-markdown__td ui-uve7l6 ui-16b7oty ui-1rgtt3y ui-o7x2bt ui-dpxx8g ui-16dsc37 ui-s1s249 ui-32b0ac ui-141kqco ui-so031l ui-1q0q8m5 ui-17fyfba ui-1lpyac\">\n<div class=\"ui-markdown__table-cell-content ui-1lliihq ui-qh1i3y ui-4xjbyw ui-eaf4i8 ui-1mzt3pk ui-1lldw8n md-table-cell-content\">\u201cOne charity, two filings\u201d<\/div>\n<\/td>\n<\/tr>\n<tr class=\"ui-markdown__tr ui-972fbf ui-gfja2r ui-1qhh985 ui-yj58a3 ui-1iwnq2j\">\n<td class=\"ui-markdown__td ui-uve7l6 ui-16b7oty ui-1rgtt3y ui-o7x2bt ui-dpxx8g ui-16dsc37 ui-s1s249 ui-32b0ac ui-141kqco ui-so031l ui-1q0q8m5 ui-17fyfba ui-1lpyac\">\n<div class=\"ui-markdown__table-cell-content ui-1lliihq ui-qh1i3y ui-4xjbyw ui-eaf4i8 ui-1mzt3pk ui-1lldw8n md-table-cell-content\">2<\/div>\n<\/td>\n<td class=\"ui-markdown__td ui-uve7l6 ui-16b7oty ui-1rgtt3y ui-o7x2bt ui-dpxx8g ui-16dsc37 ui-s1s249 ui-32b0ac ui-141kqco ui-so031l ui-1q0q8m5 ui-17fyfba ui-1lpyac\">\n<div class=\"ui-markdown__table-cell-content ui-1lliihq ui-qh1i3y ui-4xjbyw ui-eaf4i8 ui-1mzt3pk ui-1lldw8n md-table-cell-content\">Sector benchmarks<\/div>\n<\/td>\n<td class=\"ui-markdown__td ui-uve7l6 ui-16b7oty ui-1rgtt3y ui-o7x2bt ui-dpxx8g ui-16dsc37 ui-s1s249 ui-32b0ac ui-141kqco ui-so031l ui-1q0q8m5 ui-17fyfba ui-1lpyac\">\n<div class=\"ui-markdown__table-cell-content ui-1lliihq ui-qh1i3y ui-4xjbyw ui-eaf4i8 ui-1mzt3pk ui-1lldw8n md-table-cell-content\">Trillion-dollar nonprofit retirement<\/div>\n<\/td>\n<\/tr>\n<tr class=\"ui-markdown__tr ui-972fbf ui-gfja2r ui-1qhh985 ui-yj58a3 ui-1iwnq2j\">\n<td class=\"ui-markdown__td ui-uve7l6 ui-16b7oty ui-1rgtt3y ui-o7x2bt ui-dpxx8g ui-16dsc37 ui-s1s249 ui-32b0ac ui-141kqco ui-so031l ui-1q0q8m5 ui-17fyfba ui-1lpyac\">\n<div class=\"ui-markdown__table-cell-content ui-1lliihq ui-qh1i3y ui-4xjbyw ui-eaf4i8 ui-1mzt3pk ui-1lldw8n md-table-cell-content\">3<\/div>\n<\/td>\n<td class=\"ui-markdown__td ui-uve7l6 ui-16b7oty ui-1rgtt3y ui-o7x2bt ui-dpxx8g ui-16dsc37 ui-s1s249 ui-32b0ac ui-141kqco ui-so031l ui-1q0q8m5 ui-17fyfba ui-1lpyac\">\n<div class=\"ui-markdown__table-cell-content ui-1lliihq ui-qh1i3y ui-4xjbyw ui-eaf4i8 ui-1mzt3pk ui-1lldw8n md-table-cell-content\">Auto-enroll &amp; QDIA<\/div>\n<\/td>\n<td class=\"ui-markdown__td ui-uve7l6 ui-16b7oty ui-1rgtt3y ui-o7x2bt ui-dpxx8g ui-16dsc37 ui-s1s249 ui-32b0ac ui-141kqco ui-so031l ui-1q0q8m5 ui-17fyfba ui-1lpyac\">\n<div class=\"ui-markdown__table-cell-content ui-1lliihq ui-qh1i3y ui-4xjbyw ui-eaf4i8 ui-1mzt3pk ui-1lldw8n md-table-cell-content\">Modern defaults still missing<\/div>\n<\/td>\n<\/tr>\n<tr class=\"ui-markdown__tr ui-972fbf ui-gfja2r ui-1qhh985 ui-yj58a3 ui-1iwnq2j\">\n<td class=\"ui-markdown__td ui-uve7l6 ui-16b7oty ui-1rgtt3y ui-o7x2bt ui-dpxx8g ui-16dsc37 ui-s1s249 ui-32b0ac ui-141kqco ui-so031l ui-1q0q8m5 ui-17fyfba ui-1lpyac\">\n<div class=\"ui-markdown__table-cell-content ui-1lliihq ui-qh1i3y ui-4xjbyw ui-eaf4i8 ui-1mzt3pk ui-1lldw8n md-table-cell-content\">4<\/div>\n<\/td>\n<td class=\"ui-markdown__td ui-uve7l6 ui-16b7oty ui-1rgtt3y ui-o7x2bt ui-dpxx8g ui-16dsc37 ui-s1s249 ui-32b0ac ui-141kqco ui-so031l ui-1q0q8m5 ui-17fyfba ui-1lpyac\">\n<div class=\"ui-markdown__table-cell-content ui-1lliihq ui-qh1i3y ui-4xjbyw ui-eaf4i8 ui-1mzt3pk ui-1lldw8n md-table-cell-content\">Balance sheet vs plan<\/div>\n<\/td>\n<td class=\"ui-markdown__td ui-uve7l6 ui-16b7oty ui-1rgtt3y ui-o7x2bt ui-dpxx8g ui-16dsc37 ui-s1s249 ui-32b0ac ui-141kqco ui-so031l ui-1q0q8m5 ui-17fyfba ui-1lpyac\">\n<div class=\"ui-markdown__table-cell-content ui-1lliihq ui-qh1i3y ui-4xjbyw ui-eaf4i8 ui-1mzt3pk ui-1lldw8n md-table-cell-content\">The &lt;10% asset cohort<\/div>\n<\/td>\n<\/tr>\n<tr class=\"ui-markdown__tr ui-972fbf ui-gfja2r ui-1qhh985 ui-yj58a3 ui-1iwnq2j\">\n<td class=\"ui-markdown__td ui-uve7l6 ui-16b7oty ui-1rgtt3y ui-o7x2bt ui-dpxx8g ui-16dsc37 ui-s1s249 ui-32b0ac ui-141kqco ui-so031l ui-1q0q8m5 ui-17fyfba ui-1lpyac\">\n<div class=\"ui-markdown__table-cell-content ui-1lliihq ui-qh1i3y ui-4xjbyw ui-eaf4i8 ui-1mzt3pk ui-1lldw8n md-table-cell-content\">5<\/div>\n<\/td>\n<td class=\"ui-markdown__td ui-uve7l6 ui-16b7oty ui-1rgtt3y ui-o7x2bt ui-dpxx8g ui-16dsc37 ui-s1s249 ui-32b0ac ui-141kqco ui-so031l ui-1q0q8m5 ui-17fyfba ui-1lpyac\">\n<div class=\"ui-markdown__table-cell-content ui-1lliihq ui-qh1i3y ui-4xjbyw ui-eaf4i8 ui-1mzt3pk ui-1lldw8n md-table-cell-content\">Advisory services<\/div>\n<\/td>\n<td class=\"ui-markdown__td ui-uve7l6 ui-16b7oty ui-1rgtt3y ui-o7x2bt ui-dpxx8g ui-16dsc37 ui-s1s249 ui-32b0ac ui-141kqco ui-so031l ui-1q0q8m5 ui-17fyfba ui-1lpyac\">\n<div class=\"ui-markdown__table-cell-content ui-1lliihq ui-qh1i3y ui-4xjbyw ui-eaf4i8 ui-1mzt3pk ui-1lldw8n md-table-cell-content\">Four practices from paired data<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n<blockquote>\n<p class=\"ui-markdown__paragraph ui-z80ra4 ui-uu7i3w ui-1nhcn8o ui-j7cesy ui-13faqbe ui-14l7nz5 ui-zboxd6 ui-19d5a1n ui-bpgzfc\"><em>Ready to grow your nonprofit practice? Request a demo and start serving sponsors with plan-and-sponsor context in one place.<\/em><\/p>\n<\/blockquote>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><a href=\"https:\/\/rixtrema.com\/landings_proplus?source=blog231026\" target=\"_blank\" rel=\" noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"700\" height=\"128\" data-id=\"6703\" src=\"https:\/\/rixtrema.com\/blog\/wp-content\/uploads\/2020\/07\/larkspur-rixtrema-pro-and-platinum.png\" alt=\"\" class=\"wp-image-6703\" srcset=\"https:\/\/rixtrema.com\/blog\/wp-content\/uploads\/2020\/07\/larkspur-rixtrema-pro-and-platinum.png 700w, https:\/\/rixtrema.com\/blog\/wp-content\/uploads\/2020\/07\/larkspur-rixtrema-pro-and-platinum-300x55.png 300w, https:\/\/rixtrema.com\/blog\/wp-content\/uploads\/2020\/07\/larkspur-rixtrema-pro-and-platinum-500x91.png 500w\" sizes=\"auto, (max-width: 700px) 100vw, 700px\" \/><\/a><\/figure>\n<\/div><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Email campaigns, social media, webinars, and paid advertising allowed businesses to scale quickly without requiring much personal interaction.<\/p>\n<p>But that environment is changing.<\/p>\n","protected":false},"author":14,"featured_media":11211,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":true,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[2396,2350,239,168],"tags":[82,41,7,12,27,2395],"class_list":["post-11208","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-401kai","category-ai","category-investing","category-news","tag-401k","tag-401kfiduciaryoptimizer","tag-financial-advisor","tag-financial-advisors","tag-rixtrema","tag-stresstestai"],"jetpack_featured_media_url":"https:\/\/rixtrema.com\/blog\/wp-content\/uploads\/2026\/10\/1792765045-scaled.jpg","yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v15.9.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How paired Form\u202f5500 &amp;\u202f990 data transforms nonprofit plans<\/title>\n<meta name=\"description\" content=\"You&#039;ve meticulously crafted an email that you believe is compelling, informative, and perfectly tailored to your audience. You hit send with high hopes, but then... nothing happens.\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rixtrema.com\/blog\/how-paired-form-5500-990-data-transforms-nonprofit-plans\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How paired Form\u202f5500 &amp;\u202f990 data transforms nonprofit plans\" \/>\n<meta property=\"og:description\" content=\"You&#039;ve meticulously crafted an email that you believe is compelling, informative, and perfectly tailored to your audience. 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