Retirement plan

MCARDLE'S FLORIST AND GARDEN CENTER 401(K) PLAN

Name: MCARDLE'S FLORIST AND GARDEN CENTER - MCARDLE'S FLORIST AND GARDEN CENTER 401(K) PLAN (2015) Form 5500
Creator: MCARDLE'S FLORIST AND GARDEN CENTER
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, MCARDLE'S FLORIST AND GARDEN CENTER 401(K) PLAN, MCARDLE'S FLORIST AND GARDEN CENTER

MCARDLE'S FLORIST AND GARDEN CENTEREIN 06-0885244Plan #001PY 2015

48 ARCH STREET - GREENWICH, CT 06830203-434-8411

Prospect flagsLow returnsLow assets / participantLow fidelity bond

How to read this page

Total assets (EOY)

$368K

No prior year

Total participants

No prior year

Average account balance

$16,005

No prior year

Annual return

-4.80%

No prior year

Benchmarks

See 15,269 peers

Peer group

Industry44 - Retail Trade

Plan typeDefined contribution

Participants<25

Cohort15,269 peers

Snapshot2015

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

Analytics

Total assets (EOY)

Plan-year ending balance

$2.90M

Not enough data

1 years with asset history on file

Average account balance

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

$71K

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.

124.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$383K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$12K

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

+16.03%

Not enough data

1 years with return on file

Admin fee / account holder

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

$1048

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 codes2E2J3D2T2G2F

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

3 tripped

OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
OpportunityLow assets / participant
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
ComplianceLow fidelity bond
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).

Expense breakdown

Schedule H Part II

Admin total

$6K

$313 / participant

Other / not subdivided$6K100.0%

% of EOY assets

1.533%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

No opinion code on file for this filing.

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

Metric

This plan

Peer set

Industry

Size

Avg account balance

$16,005

$82,630-80.6%

$64,105-75.0%

$125,393-87.2%

Participation rate

83.3%

75.9%+7.5pp

68.2%+15.2pp

83.2%+0.1pp

Annual return

-4.80%

1489.72%-1494.5pp

791.24%-796.0pp

282.23%-287.0pp

Employer contribution / active EE

$2,814

$2,671+5.4%

$1,820+54.6%

$4,866-42.2%

Participant deferral / active EE

$5,058

$3,608+40.2%

$2,822+79.3%

$5,351-5.5%

Admin fee / account holder

$245

$6,382-96.2%

$4,499-94.5%

$9,541-97.4%

MCARDLE'S FLORIST AND GARDEN CENTER 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

MCARDLE'S FLORIST AND GARDEN CENTER 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