Retirement plan

STEPHEN AUTOMALL CENTRE EMPLOYEES SAVING PLAN

Name: STEPHEN CADILLAC-GMC, INC. - STEPHEN AUTOMALL CENTRE EMPLOYEES SAVING PLAN (2019) 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 2019

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)

$3.5M

+17.6% from 2018

Total participants

120

-0.8% from 2018

Average account balance

$79,851

+22.9% from 2018

Annual return

22.78%

+27.66 pp from 2018

Benchmarks

See 2,278 peers

Peer group

Industry44 - Retail Trade

Plan typeDefined contribution

Participants100-249

Cohort2,278 peers

Snapshot2019

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

Providers data not reported

Schedule C was not filed on this plan's most recent Form 5500, so no compensated service providers are available to display.

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

$4K

$39 / participant

Investment mgmt$2K35.4%
Other / not subdivided$3K64.6%

% of EOY assets

0.125%

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

Metric

This plan

Peer set

Industry

Size

Avg account balance

$79,851

$49,138+62.5%

$84,021-5.0%

$65,185+22.5%

Participation rate

32.1%

60.7%-28.6pp

69.0%-36.9pp

70.2%-38.1pp

Annual return

22.78%

23.00%-0.2pp

71.32%-48.5pp

29.38%-6.6pp

Employer contribution / active EE

$914-100.0%

$1,984-100.0%

$2,177-100.0%

Participant deferral / active EE

$1,347

$2,397-43.8%

$3,239-58.4%

$3,514-61.7%

Admin fee / account holder

$100

$543-81.7%

$6,102-98.4%

$847-88.2%

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