Retirement plan

ROSCO LABORATORIES, INC. SALARY SAVINGS PLAN

Name: ROSCO LABORATORIES, INC. - ROSCO LABORATORIES, INC. SALARY SAVINGS PLAN (2021) Form 5500
Creator: ROSCO LABORATORIES, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, ROSCO LABORATORIES, INC. SALARY SAVINGS PLAN, ROSCO LABORATORIES, INC.

ROSCO LABORATORIES, INC.EIN 04-3101783Plan #002PY 2021

52 HARBOR VIEW AVE. - STAMFORD, CT 06902203-708-8900

Prospect flagsLow returnsHigh feesCorrective distributions

Top hat statement on fileNQDC

Filed October 18, 2004

This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.

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Total assets (EOY)

$12.5M

+5.8% from 2020

Total participants

-14.0% from 2020

Average account balance

$156,814

+17.7% from 2020

Annual return

10.67%

-0.77 pp from 2020

Benchmarks

See 14,567 peers

Peer group

Industry33 - Manufacturing

Plan typeDefined contribution

Participants25-99

Cohort14,567 peers

Snapshot2021

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

Analytics

Total assets (EOY)

Plan-year ending balance

$11.02M

Not enough data

1 years with asset history on file

Average account balance

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

$133K

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.

89.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$405K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$4K

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

+12.83%

Not enough data

1 years with return on file

Admin fee / account holder

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

$7367

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

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Service providers

Top 10 by compensation

Provider	Service type	Compensation
GREAT-WEST LIFE & ANNUITY INSURANCE1 year Filed as: GREAT WEST LIFE & ANNUITY INSURANCE Service code 49 · EIN 84-0467907	Other Services	$39,925
UBS FINANCIAL SERVICES INC5 years Filed as: UBS FINANCIAL SERVICES INC. Service code 27 · EIN 13-2638166	Advisory (Plan)	$25,723
AMERICAN FUNDS5 years Service code 52 · EIN 95-1411037	Indirect Investment Fees	$0
INVESCO5 years Service code 52 · EIN 84-0933032	Indirect Investment Fees	$0
MASSACHUSETTS MUTUAL LIFE INS. CO.7+ years Service code 52	Indirect Investment Fees	$0
NATIXIS FUNDS5 years Service code 52 · EIN 52-2257782	Indirect Investment Fees	$0
NORTHERN FUNDS5 years Service code 52 · EIN 36-3608252	Indirect Investment Fees	$0
PIMCO FUNDS5 years Service code 52 · EIN 95-2632339	Indirect Investment Fees	$0
RIDGEWORTH5 years Service code 52 · EIN 95-6981193	Indirect Investment Fees	$0
THE VANGUARD GROUP, INC.4 years Filed as: VANGUARD Service code 52 · EIN 23-1999755	Indirect Investment Fees	$0

Plan features & details

Pension benefit codes2E2J2F2G2K3H2T

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.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

3 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$40K

$562 / participant

Investment mgmt$38K95.1%
Contract admin$2K4.9%

% of EOY assets

0.318%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

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

Metric

This plan

Peer set

Industry

Size

Avg account balance

$156,814

$86,298+81.7%

$111,308+40.9%

$85,847+82.7%

Participation rate

74.6%

73.3%+1.3pp

77.3%-2.7pp

69.3%+5.3pp

Annual return

10.67%

19.99%-9.3pp

54.67%-44.0pp

318.61%-307.9pp

Employer contribution / active EE

$609

$2,044-70.2%

$2,732-77.7%

$2,565-76.2%

Participant deferral / active EE

$5,269

$3,641+44.7%

$4,487+17.4%

$3,952+33.3%

Admin fee / account holder

$499

$8,189-93.9%

$7,965-93.7%

$6,261-92.0%

Provider

Service type

Compensation

GREAT-WEST LIFE & ANNUITY INSURANCE1 year

Filed as: GREAT WEST LIFE & ANNUITY INSURANCE

Service code 49 · EIN 84-0467907

Other Services

$39,925

UBS FINANCIAL SERVICES INC5 years

Filed as: UBS FINANCIAL SERVICES INC.

Service code 27 · EIN 13-2638166

Advisory (Plan)

$25,723

AMERICAN FUNDS5 years

Service code 52 · EIN 95-1411037

Indirect Investment Fees

INVESCO5 years

Service code 52 · EIN 84-0933032

Indirect Investment Fees

MASSACHUSETTS MUTUAL LIFE INS. CO.7+ years

Service code 52

Indirect Investment Fees

NATIXIS FUNDS5 years

Service code 52 · EIN 52-2257782

Indirect Investment Fees

NORTHERN FUNDS5 years

Service code 52 · EIN 36-3608252

Indirect Investment Fees

PIMCO FUNDS5 years

Service code 52 · EIN 95-2632339

Indirect Investment Fees

RIDGEWORTH5 years

Service code 52 · EIN 95-6981193

Indirect Investment Fees

THE VANGUARD GROUP, INC.4 years

Filed as: VANGUARD

Service code 52 · EIN 23-1999755

Indirect Investment Fees

ROSCO LABORATORIES, INC. SALARY SAVINGS PLAN

Top hat statement on fileNQDC

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

ROSCO LABORATORIES, INC. SALARY SAVINGS PLAN

Top hat statement on fileNQDC

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