Retirement plan

EMPLOYEE BENEFIT PLAN OF GILMAN HOUSING TRUST, INC.

Name: GILMAN HOUSING TRUST, INC. - EMPLOYEE BENEFIT PLAN OF GILMAN HOUSING TRUST, INC. (2018) Form 5500
Creator: GILMAN HOUSING TRUST, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, EMPLOYEE BENEFIT PLAN OF GILMAN HOUSING TRUST, INC., GILMAN HOUSING TRUST, INC.

GILMAN HOUSING TRUST, INC.EIN 03-0301520Plan #001PY 2018

PO BOX 259 - LYNDONVILLE, VT 058510259802-535-3555LinkedIn1-10 employeesfinancial services

Prospect flagsHigh feesLow participant contribution

How to read this page

Total assets (EOY)

$653K

-3.8% from 2017

Total participants

0.0% from 2017

Average account balance

$21,076

-3.8% from 2017

Annual return

-6.44%

-17.70 pp from 2017

Benchmarks

See 3,521 peers

Peer group

Industry53 - Real Estate and Rental and Leasing

Plan typeDefined contribution

Participants25-99

Cohort3,521 peers

Snapshot2018

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

Analytics

Total assets (EOY)

Plan-year ending balance

$1.12M

Not enough data

1 years with asset history on file

Average account balance

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

$27K

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.

62.7%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$105K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$2K

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

+14.17%

Not enough data

1 years with return on file

Admin fee / account holder

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

$3787

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 codes2F2S2T3D

Plan features

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).
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
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

2 tripped

OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
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

$29K

$1124 / participant

Other / not subdivided$29K100.0%

% of EOY assets

4.474%

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

$21,076

$56,484-62.7%

$169,452-87.6%

$64,173-67.2%

Participation rate

96.2%

64.5%+31.6pp

77.8%+18.4pp

69.6%+26.6pp

Annual return

-6.44%

-1.55%-4.9pp

1.83%-8.3pp

7.63%-14.1pp

Employer contribution / active EE

$783

$1,832-57.2%

$4,157-81.2%

$2,381-67.1%

Participant deferral / active EE

$900

$3,448-73.9%

$5,277-82.9%

$3,470-74.1%

Admin fee / account holder

$943

$4,174-77.4%

$9,110-89.6%

$4,887-80.7%

EMPLOYEE BENEFIT PLAN OF GILMAN HOUSING TRUST, INC.

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

EMPLOYEE BENEFIT PLAN OF GILMAN HOUSING TRUST, INC.

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