Civic Intelligence

Drs. Zerafa & Ruddy, D.D.S. PC.

Plan context: Drs. Forbes, Zerafa & Ruddy, D.D.S. PC. 401(K) Profit Sharing Plan

EIN 38-2249528 • Clinton Township, MI • 25 filings • 8 plans

36545 Harper Avenue, Suite AClinton Township, MI 48035
Current Snapshot

Latest Year

2024

2024 Participants

14

2024 Assets

$3,527,838

2024 Contributions

$103,542

Historical Graphs

Total Assets Over Time

Aggregate end-of-year assets by filing year, excluding zero-asset years

$3,527,838$1,763,919$0200020132024YearValue
$3,527,838Latest year 2024

Participants Over Time

Largest reported end-of-year plan headcount by filing year, used to avoid double-counting participants across overlapping plans

1580200020122024YearValue
14Latest year 2024

Company Timeline

Year summaries and individual filings are combined here so you can stay in one place while moving across years and plan filings.

Year / FilingFilingsParticipantsAssetsContributionsContrib./Participant
2024114$3,527,838$103,542$7,396iApproximate average salary by contribution assumption: employee only about $184,896 at 4% or $123,264 at 6%; with 50% employer match about $123,264 at 4% or $82,176 at 6%; with 100% employer match about $92,448 at 4% or $61,632 at 6%.
Drs. Forbes, Zerafa & Ruddy, D.D.S. PC. 401(K) Profit Sharing Plan-14$3,527,838$103,542$7,396iApproximate average salary by contribution assumption: employee only about $184,896 at 4% or $123,264 at 6%; with 50% employer match about $123,264 at 4% or $82,176 at 6%; with 100% employer match about $92,448 at 4% or $61,632 at 6%.
2023113$3,060,274$87,325$6,717iApproximate average salary by contribution assumption: employee only about $167,933 at 4% or $111,955 at 6%; with 50% employer match about $111,955 at 4% or $74,637 at 6%; with 100% employer match about $83,966 at 4% or $55,978 at 6%.
Drs. Forbes, Zerafa & Ruddy, D.D.S. PC. 401(K) Profit Sharing Plan-13$3,060,274$87,325$6,717iApproximate average salary by contribution assumption: employee only about $167,933 at 4% or $111,955 at 6%; with 50% employer match about $111,955 at 4% or $74,637 at 6%; with 100% employer match about $83,966 at 4% or $55,978 at 6%.
2022112$2,674,778$60,162$5,014iApproximate average salary by contribution assumption: employee only about $125,338 at 4% or $83,558 at 6%; with 50% employer match about $83,558 at 4% or $55,706 at 6%; with 100% employer match about $62,669 at 4% or $41,779 at 6%.
Drs. Forbes, Zerafa & Ruddy, D.D.S. PC. 401(K) Profit Sharing Plan-12$2,674,778$60,162$5,014iApproximate average salary by contribution assumption: employee only about $125,338 at 4% or $83,558 at 6%; with 50% employer match about $83,558 at 4% or $55,706 at 6%; with 100% employer match about $62,669 at 4% or $41,779 at 6%.
2021112$2,581,547$88,996$7,416iApproximate average salary by contribution assumption: employee only about $185,408 at 4% or $123,606 at 6%; with 50% employer match about $123,606 at 4% or $82,404 at 6%; with 100% employer match about $92,704 at 4% or $61,803 at 6%.
Drs. Forbes, Zerafa & Ruddy, D.D.S. PC. 401(K) Profit Sharing Plan-12$2,581,547$88,996$7,416iApproximate average salary by contribution assumption: employee only about $185,408 at 4% or $123,606 at 6%; with 50% employer match about $123,606 at 4% or $82,404 at 6%; with 100% employer match about $92,704 at 4% or $61,803 at 6%.
2020111$2,791,874$86,460$7,860iApproximate average salary by contribution assumption: employee only about $196,500 at 4% or $131,000 at 6%; with 50% employer match about $131,000 at 4% or $87,333 at 6%; with 100% employer match about $98,250 at 4% or $65,500 at 6%.
Drs. Forbes, Zerafa & Ruddy, D.D.S. PC. 401(K) Profit Sharing Plan-11$2,791,874$86,460$7,860iApproximate average salary by contribution assumption: employee only about $196,500 at 4% or $131,000 at 6%; with 50% employer match about $131,000 at 4% or $87,333 at 6%; with 100% employer match about $98,250 at 4% or $65,500 at 6%.
2019112$2,123,483$87,200$7,267iApproximate average salary by contribution assumption: employee only about $181,667 at 4% or $121,111 at 6%; with 50% employer match about $121,111 at 4% or $80,741 at 6%; with 100% employer match about $90,833 at 4% or $60,556 at 6%.
Drs. Forbes, Zerafa & Ruddy, D.D.S. PC. 401(K) Profit Sharing Plan-12$2,123,483$87,200$7,267iApproximate average salary by contribution assumption: employee only about $181,667 at 4% or $121,111 at 6%; with 50% employer match about $121,111 at 4% or $80,741 at 6%; with 100% employer match about $90,833 at 4% or $60,556 at 6%.
2018112$2,165,759$93,366$7,781iApproximate average salary by contribution assumption: employee only about $194,513 at 4% or $129,675 at 6%; with 50% employer match about $129,675 at 4% or $86,450 at 6%; with 100% employer match about $97,256 at 4% or $64,838 at 6%.
Drs. Forbes, Zerafa & Ruddy, D.D.S. PC. 401(K) Profit Sharing Plan-12$2,165,759$93,366$7,781iApproximate average salary by contribution assumption: employee only about $194,513 at 4% or $129,675 at 6%; with 50% employer match about $129,675 at 4% or $86,450 at 6%; with 100% employer match about $97,256 at 4% or $64,838 at 6%.
2017112$2,047,464$92,475$7,706iApproximate average salary by contribution assumption: employee only about $192,656 at 4% or $128,438 at 6%; with 50% employer match about $128,438 at 4% or $85,625 at 6%; with 100% employer match about $96,328 at 4% or $64,219 at 6%.
Drs. Forbes, Zerafa & Ruddy, D.D.S. PC. 401(K) Profit Sharing Plan-12$2,047,464$92,475$7,706iApproximate average salary by contribution assumption: employee only about $192,656 at 4% or $128,438 at 6%; with 50% employer match about $128,438 at 4% or $85,625 at 6%; with 100% employer match about $96,328 at 4% or $64,219 at 6%.
2016113$1,784,059$86,578$6,660iApproximate average salary by contribution assumption: employee only about $166,496 at 4% or $110,997 at 6%; with 50% employer match about $110,997 at 4% or $73,998 at 6%; with 100% employer match about $83,248 at 4% or $55,499 at 6%.
Drs. Forbes, Zerafa & Ruddy, D.D.S. PC. 401(K) Profit Sharing Plan-13$1,784,059$86,578$6,660iApproximate average salary by contribution assumption: employee only about $166,496 at 4% or $110,997 at 6%; with 50% employer match about $110,997 at 4% or $73,998 at 6%; with 100% employer match about $83,248 at 4% or $55,499 at 6%.
2015113$1,503,993$82,592$6,353iApproximate average salary by contribution assumption: employee only about $158,831 at 4% or $105,887 at 6%; with 50% employer match about $105,887 at 4% or $70,591 at 6%; with 100% employer match about $79,415 at 4% or $52,944 at 6%.
Drs. Forbes, Zerafa & Ruddy, D.D.S. PC. 401(K) Profit Sharing Plan-13$1,503,993$82,592$6,353iApproximate average salary by contribution assumption: employee only about $158,831 at 4% or $105,887 at 6%; with 50% employer match about $105,887 at 4% or $70,591 at 6%; with 100% employer match about $79,415 at 4% or $52,944 at 6%.
2014112$1,623,982$79,417$6,618iApproximate average salary by contribution assumption: employee only about $165,452 at 4% or $110,301 at 6%; with 50% employer match about $110,301 at 4% or $73,534 at 6%; with 100% employer match about $82,726 at 4% or $55,151 at 6%.
Drs. Forbes, Zerafa & Ruddy, D.D.S. PC. 401(K) Profit Sharing Plan-12$1,623,982$79,417$6,618iApproximate average salary by contribution assumption: employee only about $165,452 at 4% or $110,301 at 6%; with 50% employer match about $110,301 at 4% or $73,534 at 6%; with 100% employer match about $82,726 at 4% or $55,151 at 6%.
2013115$1,536,701$79,057$5,270iApproximate average salary by contribution assumption: employee only about $131,762 at 4% or $87,841 at 6%; with 50% employer match about $87,841 at 4% or $58,561 at 6%; with 100% employer match about $65,881 at 4% or $43,921 at 6%.
Drs. Forbes, Zerafa & Ruddy, D.D.S. PC. 401(K) Profit Sharing Plan-15$1,536,701$79,057$5,270iApproximate average salary by contribution assumption: employee only about $131,762 at 4% or $87,841 at 6%; with 50% employer match about $87,841 at 4% or $58,561 at 6%; with 100% employer match about $65,881 at 4% or $43,921 at 6%.
2012114$1,291,172$91,902$6,564iApproximate average salary by contribution assumption: employee only about $164,111 at 4% or $109,407 at 6%; with 50% employer match about $109,407 at 4% or $72,938 at 6%; with 100% employer match about $82,055 at 4% or $54,704 at 6%.
Drs. Forbes, Zerafa & Ruddy, D.D.S. PC. 401(K) Profit Sharing Plan-14$1,291,172$91,902$6,564iApproximate average salary by contribution assumption: employee only about $164,111 at 4% or $109,407 at 6%; with 50% employer match about $109,407 at 4% or $72,938 at 6%; with 100% employer match about $82,055 at 4% or $54,704 at 6%.
2011114$1,020,802$93,247$6,661iApproximate average salary by contribution assumption: employee only about $166,513 at 4% or $111,008 at 6%; with 50% employer match about $111,008 at 4% or $74,006 at 6%; with 100% employer match about $83,256 at 4% or $55,504 at 6%.
Drs. Forbes, Zerafa & Ruddy, D.D.S. PC. 401(K) Profit Sharing Plan-14$1,020,802$93,247$6,661iApproximate average salary by contribution assumption: employee only about $166,513 at 4% or $111,008 at 6%; with 50% employer match about $111,008 at 4% or $74,006 at 6%; with 100% employer match about $83,256 at 4% or $55,504 at 6%.
2010111$2,100,828$84,201$7,655iApproximate average salary by contribution assumption: employee only about $191,366 at 4% or $127,577 at 6%; with 50% employer match about $127,577 at 4% or $85,052 at 6%; with 100% employer match about $95,683 at 4% or $63,789 at 6%.
Drs. Forbes, Zerafa & Ruddy, D.D.S. PC. 401(K) Profit Sharing Plan-11$2,100,828$84,201$7,655iApproximate average salary by contribution assumption: employee only about $191,366 at 4% or $127,577 at 6%; with 50% employer match about $127,577 at 4% or $85,052 at 6%; with 100% employer match about $95,683 at 4% or $63,789 at 6%.
2009113$1,482,837$82,090$6,315iApproximate average salary by contribution assumption: employee only about $157,865 at 4% or $105,244 at 6%; with 50% employer match about $105,244 at 4% or $70,162 at 6%; with 100% employer match about $78,933 at 4% or $52,622 at 6%.
Drs. Forbes, Zerafa & Ruddy, D.D.S. PC. 401(K) Profit Sharing Plan-13$1,482,837$82,090$6,315iApproximate average salary by contribution assumption: employee only about $157,865 at 4% or $105,244 at 6%; with 50% employer match about $105,244 at 4% or $70,162 at 6%; with 100% employer match about $78,933 at 4% or $52,622 at 6%.
2008113$1,179,090$80,987$6,230iApproximate average salary by contribution assumption: employee only about $155,744 at 4% or $103,829 at 6%; with 50% employer match about $103,829 at 4% or $69,220 at 6%; with 100% employer match about $77,872 at 4% or $51,915 at 6%.
Drs. Forbes, Zerafa & Ruddy, D.D.S. PC. 401(K) Profit Sharing Plan-13$1,179,090$80,987$6,230iApproximate average salary by contribution assumption: employee only about $155,744 at 4% or $103,829 at 6%; with 50% employer match about $103,829 at 4% or $69,220 at 6%; with 100% employer match about $77,872 at 4% or $51,915 at 6%.
2007111$0$0-
Drs. Forbes, Zerafa & Ruddy, D.D.S. PC. 401(K) Profit Sharing Plan-11---
2006111$1,816,176$114,512$10,410iApproximate average salary by contribution assumption: employee only about $260,255 at 4% or $173,503 at 6%; with 50% employer match about $173,503 at 4% or $115,669 at 6%; with 100% employer match about $130,127 at 4% or $86,752 at 6%.
Drs. Forbes, Zerafa & Ruddy, D.D.S. PC. 401(K) Profit Sharing Plan-11$1,816,176$114,512$10,410iApproximate average salary by contribution assumption: employee only about $260,255 at 4% or $173,503 at 6%; with 50% employer match about $173,503 at 4% or $115,669 at 6%; with 100% employer match about $130,127 at 4% or $86,752 at 6%.
2005112$1,383,569$102,890$8,574iApproximate average salary by contribution assumption: employee only about $214,354 at 4% or $142,903 at 6%; with 50% employer match about $142,903 at 4% or $95,269 at 6%; with 100% employer match about $107,177 at 4% or $71,451 at 6%.
Drs. Forbes, Zerafa & Ruddy, D.D.S. PC. 401(K) Profit Sharing Plan-12$1,383,569$102,890$8,574iApproximate average salary by contribution assumption: employee only about $214,354 at 4% or $142,903 at 6%; with 50% employer match about $142,903 at 4% or $95,269 at 6%; with 100% employer match about $107,177 at 4% or $71,451 at 6%.
2004111$1,160,689$99,826$9,075iApproximate average salary by contribution assumption: employee only about $226,877 at 4% or $151,252 at 6%; with 50% employer match about $151,252 at 4% or $100,834 at 6%; with 100% employer match about $113,439 at 4% or $75,626 at 6%.
Drs. Forbes, Zerafa & Ruddy, D.D.S. PC. 401(K) Profit Sharing Plan-11$1,160,689$99,826$9,075iApproximate average salary by contribution assumption: employee only about $226,877 at 4% or $151,252 at 6%; with 50% employer match about $151,252 at 4% or $100,834 at 6%; with 100% employer match about $113,439 at 4% or $75,626 at 6%.
2003111$985,124$96,981$8,816iApproximate average salary by contribution assumption: employee only about $220,411 at 4% or $146,941 at 6%; with 50% employer match about $146,941 at 4% or $97,961 at 6%; with 100% employer match about $110,206 at 4% or $73,470 at 6%.
Drs. Forbes, Zerafa & Ruddy, D.D.S. PC. 401(K) Profit Sharing Plan-11$985,124$96,981$8,816iApproximate average salary by contribution assumption: employee only about $220,411 at 4% or $146,941 at 6%; with 50% employer match about $146,941 at 4% or $97,961 at 6%; with 100% employer match about $110,206 at 4% or $73,470 at 6%.
2002112$765,646$75,506$6,292iApproximate average salary by contribution assumption: employee only about $157,304 at 4% or $104,869 at 6%; with 50% employer match about $104,869 at 4% or $69,913 at 6%; with 100% employer match about $78,652 at 4% or $52,435 at 6%.
Drs. Forbes, Zerafa & Ruddy, D.D.S. PC. 401(K) Profit Sharing Plan-12$765,646$75,506$6,292iApproximate average salary by contribution assumption: employee only about $157,304 at 4% or $104,869 at 6%; with 50% employer match about $104,869 at 4% or $69,913 at 6%; with 100% employer match about $78,652 at 4% or $52,435 at 6%.
2001111$0$0-
Drs. Forbes, Zerafa & Ruddy, D.D.S. PC. 401(K) Profit Sharing Plan-11---
2000110$672,470$60,000$6,000iApproximate average salary by contribution assumption: employee only about $150,000 at 4% or $100,000 at 6%; with 50% employer match about $100,000 at 4% or $66,667 at 6%; with 100% employer match about $75,000 at 4% or $50,000 at 6%.
Drs. Forbes, Zerafa & Ruddy, D.D.S. PC. 401(K) Profit Sharing Plan-10$672,470$60,000$6,000iApproximate average salary by contribution assumption: employee only about $150,000 at 4% or $100,000 at 6%; with 50% employer match about $100,000 at 4% or $66,667 at 6%; with 100% employer match about $75,000 at 4% or $50,000 at 6%.