Retirement plan

W. E. AUBUCHON CO., INC. 401(K) RETIREMENT PLAN

Name: W. E. AUBUCHON CO., INC. - W. E. AUBUCHON CO., INC. 401(K) RETIREMENT PLAN (2019) Form 5500
Creator: W. E. AUBUCHON CO., INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, W. E. AUBUCHON CO., INC. 401(K) RETIREMENT PLAN, W. E. AUBUCHON CO., INC.

W. E. AUBUCHON CO., INC.EIN 04-1050290Plan #001PY 2019

95 AUBUCHON DRIVE - WESTMINSTER, MA 01473978-874-0521LinkedIn1001-5000 employeesbuilding materials

Prospect flagsCorrective distributions

Top hat statement on fileNQDC

Filed January 5, 2024 (most recent of 3 filings on file)

Plan administrator

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95 Aubuchon Drive

Westminster, MA 01473

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Plans declared (1)

Plan name not on file1 emp

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Total assets (EOY)

$42.3M

+21.2% from 2018

Total participants

1,583

+5.5% from 2018

Average account balance

$29,467

+14.8% from 2018

Annual return

21.38%

+26.36 pp from 2018

Benchmarks

See 355 peers

Peer group

Industry44 - Retail Trade

Plan typeDefined contribution

Participants1,000-4,999

Cohort355 peers

Snapshot2019

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

Analytics

Total assets (EOY)

Plan-year ending balance

$58.09M

Not enough data

1 years with asset history on file

Average account balance

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

$28K

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.

2,101

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.

79.5%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$4.71M

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

+17.12%

Not enough data

1 years with return on file

Admin fee / account holder

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

$61

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 4 by compensation

Provider	Service type	Compensation
MMA SECURITIES LLC3 years Service code 16 · EIN 22-3570392	Consulting	$55,000
STRATEGIC ADVISORS, INC.4 years Service code 27 · EIN 04-2654524	Advisory (Plan)	$16,270
CARON & BLETZER, PLLC1 year Service code 16 · EIN 04-3499945	Consulting	$10,500
FIDELITY INVESTMENTS INSTITUTIONAL5+ years Service code 37 · EIN 04-2647786	Loan Processing	$10,182

Plan features & details

Pension benefit codes2E2F2G2J2K2T3D

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.
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

ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$92K

$77 / participant

Investment mgmt$16K17.7%
Other / not subdivided$76K82.3%

% of EOY assets

0.218%

all-in expense ratio

Categories reported

1 / 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

$29,467

$40,113-26.5%

$84,021-64.9%

$77,775-62.1%

Participation rate

87.5%

62.8%+24.7pp

69.0%+18.5pp

73.2%+14.3pp

Annual return

21.38%

23.27%-1.9pp

71.32%-49.9pp

32.58%-11.2pp

Employer contribution / active EE

$673

$847-20.6%

$1,984-66.1%

$2,504-73.1%

Participant deferral / active EE

$1,524

$2,030-24.9%

$3,239-53.0%

$3,966-61.6%

Admin fee / account holder

$64

$92-30.0%

$6,102-98.9%

$100-35.9%

Provider

Service type

Compensation

MMA SECURITIES LLC3 years

Service code 16 · EIN 22-3570392

Consulting

$55,000

STRATEGIC ADVISORS, INC.4 years

Service code 27 · EIN 04-2654524

Advisory (Plan)

$16,270

CARON & BLETZER, PLLC1 year

Service code 16 · EIN 04-3499945

Consulting

$10,500

FIDELITY INVESTMENTS INSTITUTIONAL5+ years

Service code 37 · EIN 04-2647786

Loan Processing

$10,182

W. E. AUBUCHON CO., INC. 401(K) RETIREMENT PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

W. E. AUBUCHON CO., INC. 401(K) RETIREMENT PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

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