Retirement plan

GRADIENT 401(K) PLAN

Name: GRADCO, LLC D/B/A GRADIENT - GRADIENT 401(K) PLAN (2015) Form 5500
Creator: GRADCO, LLC D/B/A GRADIENT
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, GRADIENT 401(K) PLAN, GRADCO, LLC D/B/A GRADIENT

GRADCO, LLC D/B/A GRADIENTEIN 04-3483677Plan #001PY 2015

20 UNIVERSITY ROAD - CAMBRIDGE, MA 02138617-395-5000

Prospect flagsFailed to transmit contributions

How to read this page

Total assets (EOY)

$17.1M

No prior year

Total participants

149

No prior year

Average account balance

$114,860

No prior year

Annual return

0.37%

No prior year

Benchmarks

See 4,662 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants100-249

Cohort4,662 peers

Snapshot2015

See peer percentile detail. $4.99 for your first month.

Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.

Start for $4.99 See plans

Analytics

Total assets (EOY)

Plan-year ending balance

Not enough data

1 years with asset history on file

Average account balance

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

Not enough data

0 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

Not enough data

0 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

Not enough data

0 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$202K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

Not enough data

0 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+4.72%

Not enough data

1 years with return on file

Admin fee / account holder

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

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

See the 10-year trajectory. $4.99 for your first month.

Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.

Start for $4.99 See plans

Service providers

Top 2 by compensation

Provider	Service type	Compensation
MORNINGSTAR1+ years Service code 27 · EIN 36-3297908	Advisory (Plan)	$8,227
VOYA RETIREMENT INSURANCE & ANNUITY1+ years Filed as: VOYA RETIREMENT INS AND ANN CO Service code 27 · EIN 71-0294708	Advisory (Plan)	$8,227

Plan features & details

Pension benefit codes2A2E2G2J2K3D

Plan features

2A
Age/service weighted or new comparability plan
Age/service weighted plan where allocations are based on age service or age and service; or new comparability or similar plan where allocations are based on participant classifications consisting entirely or predominantly of highly compensated employees or the plan provides an additional allocation rate on compensation above a specified threshold that exceeds the permitted disparity limits of Code section 401(l).
2E
Profit-sharing
Profit-sharing plan.
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.
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

ComplianceFailed to transmit contributions
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).

Expense breakdown

Schedule H Part II

Admin total

$1K

$10 / participant

Other / not subdivided$1K100.0%

% of EOY assets

0.006%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Disclaimer opinion

The auditor declined to give an opinion. This is usually a 103(a)(3)(C) limited-scope election.

Auditor firm: DICICCO, GULMAN & COMPANY LLP
Auditor EIN: 043296226
Audit fees: (not subdivided)
Opinion code: Disclaimer

Look up a plan sponsor by EIN. Free Form 5500 search. No signup.

Metric

This plan

Peer set

Industry

Size

Avg account balance

$114,860

$70,002+64.1%

$115,037-0.2%

$52,331+119.5%

Participation rate

100.0%

72.1%+27.9pp

81.4%+18.6pp

68.1%+31.9pp

Annual return

0.37%

4.04%-3.7pp

26.14%-25.8pp

4.54%-4.2pp

Employer contribution / active EE

$5,045

$2,715+85.8%

$4,608+9.5%

$1,882+168.1%

Participant deferral / active EE

$8,923

$4,920+81.4%

$6,026+48.1%

$3,022+195.3%

Admin fee / account holder

$566-98.7%

$8,175-99.9%

$592-98.8%

Provider

Service type

Compensation

MORNINGSTAR1+ years

Service code 27 · EIN 36-3297908

Advisory (Plan)

$8,227

VOYA RETIREMENT INSURANCE & ANNUITY1+ years

Filed as: VOYA RETIREMENT INS AND ANN CO

Service code 27 · EIN 71-0294708

Advisory (Plan)

$8,227

GRADIENT 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

GRADIENT 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