Retirement plan

CALEDONIAN-RECORD PUBLISHING PROFIT SHARING/401(K) PLAN

Name: CALEDONIAN-RECORD PUBLISHING COMPANY, INC. - CALEDONIAN-RECORD PUBLISHING PROFIT SHARING/401(K) PLAN (2023) Form 5500
Creator: CALEDONIAN-RECORD PUBLISHING COMPANY, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CALEDONIAN-RECORD PUBLISHING PROFIT SHARING/401(K) PLAN, CALEDONIAN-RECORD PUBLISHING COMPANY, INC.

CALEDONIAN-RECORD PUBLISHING COMPANY, INC.EIN 03-0109770Plan #002PY 2023

PO BOX 8 - SAINT JOHNSBURY, VT 058190008802-748-8121LinkedIn11-50 employeesnewspapers

Other plans on this EIN

1 filing

#001Retirement-$298K assets

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$1.6M

-6.9% from 2022

Total participants

0.0% from 2022

Average account balance

$65,392

-6.9% from 2022

Annual return

13.47%

+28.73 pp from 2022

Benchmarks

See 11,274 peers

Peer group

Industry51 - Information

Plan typeDefined contribution

Participants<25

Cohort11,274 peers

Snapshot2023

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

Analytics

Total assets (EOY)

Plan-year ending balance

$1.68M

Not enough data

1 years with asset history on file

Average account balance

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

$73K

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.

176.9%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$61K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$5K

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

+12.16%

Not enough data

1 years with return on file

Admin fee / account holder

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

$6267

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

Providers data not reported

Schedule C was not filed on this plan's most recent Form 5500, so no compensated service providers are available to display.

Plan features & details

Pension benefit codes2E2F2J2T3D3F

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).
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.
3F
Leased employees
Plan sponsor(s) received services of leased employees as defined in Code section 414(n) during the plan year.

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

$405K

$20243 / participant

Other / not subdivided$405K100.0%

% of EOY assets

25.797%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

No opinion code on file for this filing.

Auditor firm: (not reported)
Auditor EIN: -
Audit fees: (not subdivided)
Opinion code: -

Metric

This plan

Peer set

Industry

Size

Avg account balance

$65,392

$105,158-37.8%

$94,672-30.9%

$139,487-53.1%

Participation rate

90.0%

82.4%+7.6pp

80.8%+9.2pp

80.3%+9.7pp

Annual return

13.47%

38.11%-24.6pp

156.89%-143.4pp

373.84%-360.4pp

Employer contribution / active EE

$553

$4,107-86.5%

$3,673-85.0%

$4,755-88.4%

Participant deferral / active EE

$2,475

$7,599-67.4%

$7,417-66.6%

$6,713-63.1%

Admin fee / account holder

$16,869

$8,972+88.0%

$7,222+133.6%

$11,407+47.9%

CALEDONIAN-RECORD PUBLISHING PROFIT SHARING/401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CALEDONIAN-RECORD PUBLISHING PROFIT SHARING/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