Retirement plan

INTELLIGENT EMPLOYEE SOLUTIONS, INC. 401(K) PLAN

Name: INTELLIGENT EMPLOYEE SOLUTIONS, INC. - INTELLIGENT EMPLOYEE SOLUTIONS, INC. 401(K) PLAN (2015) Form 5500
Creator: INTELLIGENT EMPLOYEE SOLUTIONS, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, INTELLIGENT EMPLOYEE SOLUTIONS, INC. 401(K) PLAN, INTELLIGENT EMPLOYEE SOLUTIONS, INC.

INTELLIGENT EMPLOYEE SOLUTIONS, INC.EIN 02-0713509Plan #001PY 2015

31235 HARPER - SAINT CLAIR SHORES, MI 48084586-218-1123

Prospect flagsHigh feesLow participation

How to read this page

Total assets (EOY)

$10.6M

No prior year

Total participants

409

No prior year

Average account balance

$51,978

No prior year

Annual return

-0.15%

No prior year

Benchmarks

See 2,331 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants250-999

Cohort2,331 peers

Snapshot2015

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

Analytics

Total assets (EOY)

Plan-year ending balance

$1.04M

Not enough data

1 years with asset history on file

Average account balance

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

$52K

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.

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.

Not enough data

0 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

Not enough data

0 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

Not enough data

0 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+37.31%

Not enough data

1 years with return on file

Admin fee / account holder

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

$2566

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

0 years with F_SCH_H allocation on file

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

Service providers

Top 4 by compensation

Provider	Service type	Compensation
LPL FINANCIAL1+ years Service code 49 9785 TOWNE CENTRE DRIVE · SAN DIEGO, CA 92121	Other Services	$34,063
NATIONWIDE1+ years Service code 15 ONE NATIONWIDE PLAZA · COLUMBUS, OH 43215	Recordkeeping	$17,830
REHMANN ROBSON1+ years Filed as: REHMANN FINANCIAL GROUP Service code 15 1500 BIG BEAVER RD 2ND FLOOR · TROY, MI 48084	Recordkeeping	$17,543
LAZZARA & COMPANY1+ years Service code 10 16010 NINETEEN MILE ROAD STE 102 · CLINTON TOWNSHIP, MI 48038	Accounting	$5,500

Plan features & details

Pension benefit codes2E2F2G2J2K

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.
2K
Code section 401(m) arrangement
Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.

Opportunity flags

2 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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

$74K

$196 / participant

Investment mgmt$34K46.0%
Contract admin$17K22.9%
Other / not subdivided$23K31.1%

% of EOY assets

0.702%

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: LAZZARA & COMPANY, PC
Auditor EIN: 382728736
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$51,978

$88,324-41.2%

$115,037-54.8%

$55,191-5.8%

Participation rate

45.4%

72.5%-27.2pp

81.4%-36.0pp

69.2%-23.8pp

Annual return

-0.15%

6.30%-6.4pp

26.14%-26.3pp

10.78%-10.9pp

Employer contribution / active EE

$933

$2,805-66.7%

$4,608-79.8%

$1,899-50.9%

Participant deferral / active EE

$2,323

$5,042-53.9%

$6,026-61.5%

$3,046-23.8%

Admin fee / account holder

$365

$105+246.2%

$8,175-95.5%

$91+301.9%

Provider

Service type

Compensation

LPL FINANCIAL1+ years

Service code 49

9785 TOWNE CENTRE DRIVE · SAN DIEGO, CA 92121

Other Services

$34,063

NATIONWIDE1+ years

Service code 15

ONE NATIONWIDE PLAZA · COLUMBUS, OH 43215

Recordkeeping

$17,830

REHMANN ROBSON1+ years

Filed as: REHMANN FINANCIAL GROUP

Service code 15

1500 BIG BEAVER RD 2ND FLOOR · TROY, MI 48084

Recordkeeping

$17,543

LAZZARA & COMPANY1+ years

Service code 10

16010 NINETEEN MILE ROAD STE 102 · CLINTON TOWNSHIP, MI 48038

Accounting

$5,500

INTELLIGENT EMPLOYEE SOLUTIONS, INC. 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

INTELLIGENT EMPLOYEE SOLUTIONS, INC. 401(K) 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