Retirement plan

SGH PROFIT SHARING & 401(K) PLAN AND TRUST

Name: SIMPSON GUMPERTZ & HEGER INC. - SGH PROFIT SHARING & 401(K) PLAN AND TRUST (2017) Form 5500
Creator: SIMPSON GUMPERTZ & HEGER INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, SGH PROFIT SHARING & 401(K) PLAN AND TRUST, SIMPSON GUMPERTZ & HEGER INC.

SIMPSON GUMPERTZ & HEGER INC.EIN 04-2256923Plan #001PY 2017

41 SEYON STREET, BUILDING 1, SUITE 500 - WALTHAM, MA 02453781-907-9000sgh.comLinkedIn501-1000 employeescivil engineering

Prospect flagsHigh feesHigh assets / participant

How to read this page

Total assets (EOY)

$247.4M

-6.9% from 2016

Total participants

785

-6.4% from 2016

Average account balance

$326,380

-1.5% from 2016

Annual return

18.85%

-6.12 pp from 2016

Benchmarks

See 2,615 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants250-999

Cohort2,615 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$464.07M

Not enough data

1 years with asset history on file

Average account balance

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

$439K

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.

1,056

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.

95.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$22.79M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$30K

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

+14.87%

Not enough data

1 years with return on file

Admin fee / account holder

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

$214

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 9 by compensation

Provider	Service type	Compensation
BOSTON TRUST WALDEN COMPANY3+ years Filed as: BOSTON TRUST & IVESTMENT MGMT CO. Service code 28 · EIN 04-2273811	Investment Management	$141,328
CHARLES SCHWAB & CO., INC.3+ years Filed as: SCHWAB RETIREMENT PLAN SERVICES INC Service code 15 · EIN 34-1479833	Recordkeeping	$111,048
GOSSELIN CONSULTING GROUP LLC3+ years Service code 28 · EIN 27-2466321	Investment Management	$47,700
WITHUMSMITH+BROWN, PC3+ years Filed as: PARKER BROWN & MACAULAY P.C. Service code 29 · EIN 04-3422478	Legal	$23,219
SIGNATURE ESTATE & INVESTMENT2 years Service code 26 · EIN 95-4806910	Advisory (Participants)	$9,403
JP MORGAN INVESTMENT MANAGEMENT INC1 year Filed as: GW&K INVESTMENT MANAGEMENT LLC Service code 26 · EIN 80-0250512	Advisory (Participants)	$7,163
CHARLES SCHWAB & CO., INC.2 years Service code 33 · EIN 94-1737782	Securities brokerage; Securities brok...	$863
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB BANK Service code 25 · EIN 42-1558009	Directed Trustee	$4
CHARLES SCHWAB & CO., INC.3+ years Filed as: CHARLES SCHWAB & CO. INC. AND AFFIL Service code 59	Shareholder Servicing	$0

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

2 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
InformationalHigh assets / participant
Assets per participant exceed $250,000 - top-decile high-value plan.

Expense breakdown

Schedule H Part II

Admin total

$340K

$596 / participant

Investment mgmt$206K60.5%
Other / not subdivided$134K39.5%

% of EOY assets

0.137%

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: MAYER HOFFMAN MCCANN, P.C.
Auditor EIN: 431947695
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$326,380

$155,795+109.5%

$136,298+139.5%

$69,634+368.7%

Participation rate

95.3%

75.2%+20.0pp

81.9%+13.3pp

70.7%+24.6pp

Annual return

18.85%

232464.33%-232445.5pp

5156.27%-5137.4pp

27572.26%-27553.4pp

Employer contribution / active EE

$16,624

$2,991+455.8%

$4,696+254.0%

$2,032+718.0%

Participant deferral / active EE

$7,403

$5,394+37.2%

$6,247+18.5%

$3,224+129.6%

Admin fee / account holder

$448

$128+249.6%

$9,244-95.1%

$110+306.0%

Provider

Service type

Compensation

BOSTON TRUST WALDEN COMPANY3+ years

Filed as: BOSTON TRUST & IVESTMENT MGMT CO.

Service code 28 · EIN 04-2273811

Investment Management

$141,328

CHARLES SCHWAB & CO., INC.3+ years

Filed as: SCHWAB RETIREMENT PLAN SERVICES INC

Service code 15 · EIN 34-1479833

Recordkeeping

$111,048

GOSSELIN CONSULTING GROUP LLC3+ years

Service code 28 · EIN 27-2466321

Investment Management

$47,700

WITHUMSMITH+BROWN, PC3+ years

Filed as: PARKER BROWN & MACAULAY P.C.

Service code 29 · EIN 04-3422478

Legal

$23,219

SIGNATURE ESTATE & INVESTMENT2 years

Service code 26 · EIN 95-4806910

Advisory (Participants)

$9,403

JP MORGAN INVESTMENT MANAGEMENT INC1 year

Filed as: GW&K INVESTMENT MANAGEMENT LLC

Service code 26 · EIN 80-0250512

Advisory (Participants)

$7,163

CHARLES SCHWAB & CO., INC.2 years

Service code 33 · EIN 94-1737782

Securities brokerage; Securities brok...

$863

CHARLES SCHWAB & CO., INC.2 years

Filed as: CHARLES SCHWAB BANK

Service code 25 · EIN 42-1558009

Directed Trustee

CHARLES SCHWAB & CO., INC.3+ years

Filed as: CHARLES SCHWAB & CO. INC. AND AFFIL

Service code 59

Shareholder Servicing

SGH PROFIT SHARING & 401(K) PLAN AND TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

SGH PROFIT SHARING & 401(K) PLAN AND TRUST

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