Retirement plan

THE SAN FRANCISCO FOUNDATION EMPLOYEES' 401(K) SAVINGS PLAN

Name: THE SAN FRANCISCO FOUNDATION - THE SAN FRANCISCO FOUNDATION EMPLOYEES' 401(K) SAVINGS PLAN (2018) Form 5500
Creator: THE SAN FRANCISCO FOUNDATION
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, THE SAN FRANCISCO FOUNDATION EMPLOYEES' 401(K) SAVINGS PLAN, THE SAN FRANCISCO FOUNDATION

THE SAN FRANCISCO FOUNDATIONEIN 01-0679337Plan #002PY 2018

ONE EMBARCADERO CENTER, SUITE 1400 - SAN FRANCISCO, CA 94111415-733-8500sff.orgLinkedIn51-200 employeesphilanthropy

Prospect flagsHigh fees

Top hat statement on fileNQDC

Filed October 11, 2005

This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.

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Total assets (EOY)

$12.6M

+19.1% from 2017

Total participants

123

+0.8% from 2017

Average account balance

$116,865

+22.4% from 2017

Annual return

8.71%

-4.56 pp from 2017

Benchmarks

See 8,161 peers

Peer group

Industry81 - Other Services (except Public Administration)

Plan typeDefined contribution

Participants25-99

Cohort8,161 peers

Snapshot2018

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$28.78M

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$186K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

155

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

94.3%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$2.45M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$23K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+15.46%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$551

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

1 years with F_SCH_H allocation on file

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Service providers

Top 3 by compensation

Provider	Service type	Compensation
LODESTAR PRIVATE ASSET MANAGEM1 year Filed as: LODESTAR PRIVATE ASSET MANAGEMENT Service code 27 · EIN 94-3390377 3201 DANVILLE BOULEVARD, SUITE 275 · ALAMO, CA 94507	Advisory (Plan)	$30,122
PROFESSIONAL CAPITAL SERVICES, LLC1 year Service code 13 · EIN 23-3038464 1801 MARKET STREET, SUITE 1000 · PHILADELPHIA, PA 19130	Contract Administrator	$15,982
CDA BENEFIT CONSULTANTS, INC.1 year Service code 13 · EIN 33-0672911 1871 THE ALAMEDA, SUITE 100 · SAN JOSE, CA 95126	Contract Administrator	$2,000

Plan features & details

Pension benefit codes2A2E2F2G2J2T3D

Plan features

2A
Age/service weighted or new comparability plan
Age/service weighted plan where allocations are based on age service or age and service; or new comparability or similar plan where allocations are based on participant classifications consisting entirely or predominantly of highly compensated employees or the plan provides an additional allocation rate on compensation above a specified threshold that exceeds the permitted disparity limits of Code section 401(l).
2E
Profit-sharing
Profit-sharing plan.
2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2T
Default investment account
Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.

Opportunity flags

1 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)

Expense breakdown

Schedule H Part II

Admin total

$48K

$650 / participant

Investment mgmt$32K66.8%
Contract admin$13K28.1%
Other / not subdivided$2K5.2%

% of EOY assets

0.381%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Disclaimer opinion

Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.

Auditor firm: MOSS ADAMS LLP
Auditor EIN: 910189318
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$116,865

$49,177+137.6%

$79,467+47.1%

$64,173+82.1%

Participation rate

79.7%

65.0%+14.7pp

73.3%+6.4pp

69.6%+10.2pp

Annual return

8.71%

-1.16%+9.9pp

718.30%-709.6pp

7.63%+1.1pp

Employer contribution / active EE

$8,672

$2,076+317.7%

$2,800+209.7%

$2,381+264.2%

Participant deferral / active EE

$8,031

$2,821+184.6%

$3,704+116.8%

$3,470+131.5%

Admin fee / account holder

$445

$3,839-88.4%

$5,104-91.3%

$4,887-90.9%

Provider

Service type

Compensation

LODESTAR PRIVATE ASSET MANAGEM1 year

Filed as: LODESTAR PRIVATE ASSET MANAGEMENT

Service code 27 · EIN 94-3390377

3201 DANVILLE BOULEVARD, SUITE 275 · ALAMO, CA 94507

Advisory (Plan)

$30,122

PROFESSIONAL CAPITAL SERVICES, LLC1 year

Service code 13 · EIN 23-3038464

1801 MARKET STREET, SUITE 1000 · PHILADELPHIA, PA 19130

Contract Administrator

$15,982

CDA BENEFIT CONSULTANTS, INC.1 year

Service code 13 · EIN 33-0672911

1871 THE ALAMEDA, SUITE 100 · SAN JOSE, CA 95126

Contract Administrator

$2,000

THE SAN FRANCISCO FOUNDATION EMPLOYEES' 401(K) SAVINGS PLAN

Top hat statement on fileNQDC

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

THE SAN FRANCISCO FOUNDATION EMPLOYEES' 401(K) SAVINGS PLAN

Top hat statement on fileNQDC

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion