Retirement plan

SANBORN, HEAD & ASSOCIATES, INC. 401(K) RETIREMENT PLAN

Name: SANBORN, HEAD & ASSOCIATES, INC. - SANBORN, HEAD & ASSOCIATES, INC. 401(K) RETIREMENT PLAN (2015) Form 5500
Creator: SANBORN, HEAD & ASSOCIATES, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, SANBORN, HEAD & ASSOCIATES, INC. 401(K) RETIREMENT PLAN, SANBORN, HEAD & ASSOCIATES, INC.

SANBORN, HEAD & ASSOCIATES, INC.EIN 02-0463099Plan #001PY 2015

20 FOUNDRY STREET - CONCORD, NH 03301603-229-1900sanbornhead.comLinkedIn51-200 employeesenvironmental services

Other plans on this EIN

1 filing

#002Retirement-$1.4M assets

Prospect flagsNo flags tripped

How to read this page

Total assets (EOY)

$17.4M

No prior year

Total participants

153

No prior year

Average account balance

$117,005

No prior year

Annual return

-0.85%

No prior year

Benchmarks

See 4,662 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants100-249

Cohort4,662 peers

Snapshot2015

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

Analytics

Total assets (EOY)

Plan-year ending balance

$38.79M

Not enough data

1 years with asset history on file

Average account balance

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

$183K

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.

212

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.

97.6%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$2.38M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$14K

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

+14.30%

Not enough data

1 years with return on file

Admin fee / account holder

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

$407

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

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

Service providers

Top 3 by compensation

Provider	Service type	Compensation
CARON & BLETZER, PLLC1+ years Service code 10 · EIN 04-3499945	Accounting	$8,948
STEIKER, GREENAPPLE & FUSCO, P.C.1+ years Filed as: STEIKER, GREENAPPLE & CROSCUT, P.C. Service code 29 · EIN 23-2483825	Legal	$3,245
THE VANGUARD GROUP, INC.1+ years Filed as: VANGUARD GROUP, INC. Service code 15 · EIN 23-1945930	Recordkeeping	$1,725

Plan features & details

Pension benefit codes2E2F2G2J2T3D

Plan features

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

0 tripped

No flags tripped for this filing year. This plan looks clean.

Expense breakdown

Schedule H Part II

Admin total

$13K

$121 / participant

Other / not subdivided$13K100.0%

% of EOY assets

0.077%

all-in expense ratio

Categories reported

0 / 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: CARON & BLETZER, PLLC
Auditor EIN: 043499945
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$117,005

$70,002+67.1%

$115,038+1.7%

$52,331+123.6%

Participation rate

96.4%

72.1%+24.3pp

81.4%+15.0pp

68.1%+28.3pp

Annual return

-0.85%

4.04%-4.9pp

26.14%-27.0pp

4.54%-5.4pp

Employer contribution / active EE

$3,153

$2,715+16.1%

$4,608-31.6%

$1,882+67.6%

Participant deferral / active EE

$6,210

$4,920+26.2%

$6,026+3.0%

$3,022+105.5%

Admin fee / account holder

$90

$566-84.0%

$8,175-98.9%

$592-84.7%

Provider

Service type

Compensation

CARON & BLETZER, PLLC1+ years

Service code 10 · EIN 04-3499945

Accounting

$8,948

STEIKER, GREENAPPLE & FUSCO, P.C.1+ years

Filed as: STEIKER, GREENAPPLE & CROSCUT, P.C.

Service code 29 · EIN 23-2483825

Legal

$3,245

THE VANGUARD GROUP, INC.1+ years

Filed as: VANGUARD GROUP, INC.

Service code 15 · EIN 23-1945930

Recordkeeping

$1,725

SANBORN, HEAD & ASSOCIATES, INC. 401(K) RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

SANBORN, HEAD & ASSOCIATES, INC. 401(K) RETIREMENT PLAN

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