Retirement plan

FOUR WINDS 401(K) SAVINGS AND INVESTMENT PLAN

Name: FOUR WINDS, INC. - FOUR WINDS 401(K) SAVINGS AND INVESTMENT PLAN (2017) Form 5500
Creator: FOUR WINDS, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, FOUR WINDS 401(K) SAVINGS AND INVESTMENT PLAN, FOUR WINDS, INC.

FOUR WINDS, INC.EIN 13-2919257Plan #002PY 2017

800 CROSS RIVER ROAD - KATONAH, NY 105363549914-763-8151LinkedIn1-10 employeesairlines/aviation

Other plans on this EIN

1 filing

#001Retirement-$41.5M assets

Prospect flagsLow participationLow employer contribution

How to read this page

Total assets (EOY)

$36.4M

+15.3% from 2016

Total participants

1,178

-7.3% from 2016

Average account balance

$64,136

+13.7% from 2016

Annual return

16.60%

+8.27 pp from 2016

Benchmarks

See 1,308 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants1,000-4,999

Cohort1,308 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$42.20M

Not enough data

1 years with asset history on file

Average account balance

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

$82K

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.

512

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.

37.1%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$2.42M

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

+11.03%

Not enough data

1 years with return on file

Admin fee / account holder

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

$287

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

1 years with F_SCH_H allocation on file

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

Service providers

Top 3 by compensation

Provider	Service type	Compensation
STADION MONEY MANAGEMENT1 year Filed as: STADION MONEY MANAGEMENT, INC Service code 26 · EIN 58-2099805	Advisory (Participants)	$63,953
PRINCIPAL LIFE INSURANCE COMPANY1 year Service code 13 · EIN 42-0127290	Contract Administrator	$24,186
THE GUARDIAN INSURANCE & ANNUITY CO2 years Service code 15 · EIN 13-2656036	Recordkeeping	$12,608

Plan features & details

Pension benefit codes2E2F2G2J2T3D3H

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.
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.
OpportunityLow employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$100K

$97 / participant

Contract admin$100K100.0%

% of EOY assets

0.274%

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: EISNERAMPER LLP
Auditor EIN: 131639826
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$64,136

$44,989+42.6%

$170,435-62.4%

$77,958-17.7%

Participation rate

40.9%

64.6%-23.7pp

83.6%-42.7pp

71.6%-30.7pp

Annual return

16.60%

19.61%-3.0pp

205.94%-189.3pp

20.87%-4.3pp

Employer contribution / active EE

$1,466-100.0%

$5,432-100.0%

$2,310-100.0%

Participant deferral / active EE

$1,921

$2,208-13.0%

$4,939-61.1%

$3,537-45.7%

Admin fee / account holder

$176

$69+155.3%

$13,881-98.7%

$97+80.8%

Provider

Service type

Compensation

STADION MONEY MANAGEMENT1 year

Filed as: STADION MONEY MANAGEMENT, INC

Service code 26 · EIN 58-2099805

Advisory (Participants)

$63,953

PRINCIPAL LIFE INSURANCE COMPANY1 year

Service code 13 · EIN 42-0127290

Contract Administrator

$24,186

THE GUARDIAN INSURANCE & ANNUITY CO2 years

Service code 15 · EIN 13-2656036

Recordkeeping

$12,608

FOUR WINDS 401(K) SAVINGS AND INVESTMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

FOUR WINDS 401(K) SAVINGS AND INVESTMENT 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