Retirement plan

STEPHEN AUTOMALL CENTRE EMPLOYEES SAVING PLAN

Name: STEPHEN CADILLAC-GMC, INC. - STEPHEN AUTOMALL CENTRE EMPLOYEES SAVING PLAN (2016) Form 5500
Creator: STEPHEN CADILLAC-GMC, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, STEPHEN AUTOMALL CENTRE EMPLOYEES SAVING PLAN, STEPHEN CADILLAC-GMC, INC.

STEPHEN CADILLAC-GMC, INC.EIN 06-0722380Plan #001PY 2016

P.O. BOX 409, 1097 FARMINGTON AVE - BRISTOL, CT 060110409860-584-7347stephencadillacgmc.comLinkedIn51-200 employeesretail

Prospect flagsLow participationFailed to transmit contributions

How to read this page

Total assets (EOY)

$2.5M

+11.6% from 2015

Total participants

118

+11.3% from 2015

Average account balance

$61,381

-2.0% from 2015

Annual return

10.07%

+8.67 pp from 2015

Benchmarks

See 2,356 peers

Peer group

Industry44 - Retail Trade

Plan typeDefined contribution

Participants100-249

Cohort2,356 peers

Snapshot2016

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

Analytics

Total assets (EOY)

Plan-year ending balance

$4.11M

Not enough data

1 years with asset history on file

Average account balance

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

$91K

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.

44.6%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$196K

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

+15.39%

Not enough data

1 years with return on file

Admin fee / account holder

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

$1805

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

Top 1 by compensation

Provider	Service type	Compensation
VOYA RETIREMENT INSURANCE & ANNUITY2+ years Filed as: VOYA LIFE INSURANCE AND ANNUITY CO. Service code 49 · EIN 71-0294708 ONE ORANGE WAY · WINDSOR, CT 060954774	Other Services	$0

Plan features & details

Pension benefit codes3D2E2F2G2J3H

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.
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.
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

2 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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

0.043%

all-in expense ratio

Categories reported

0 / 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: FEDERMAN, LALLY & REMIS, LLC
Auditor EIN: 061326802
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$61,381

$42,546+44.3%

$71,796-14.5%

$55,167+11.3%

Participation rate

29.4%

59.1%-29.8pp

69.1%-39.8pp

69.0%-39.6pp

Annual return

10.07%

12.36%-2.3pp

78.04%-68.0pp

169.23%-159.2pp

Employer contribution / active EE

$803-100.0%

$1,924-100.0%

$1,963-100.0%

Participant deferral / active EE

$1,284

$2,064-37.8%

$2,794-54.0%

$3,054-57.9%

Admin fee / account holder

$26

$650-96.0%

$4,815-99.5%

$504-94.8%

Provider

Service type

Compensation

VOYA RETIREMENT INSURANCE & ANNUITY2+ years

Filed as: VOYA LIFE INSURANCE AND ANNUITY CO.

Service code 49 · EIN 71-0294708

ONE ORANGE WAY · WINDSOR, CT 060954774

Other Services

STEPHEN AUTOMALL CENTRE EMPLOYEES SAVING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

STEPHEN AUTOMALL CENTRE EMPLOYEES SAVING 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