Retirement plan

THE RETIREMENT AND SAVINGS PLAN

Name: RALCO HOLDINGS, INC. - THE RETIREMENT AND SAVINGS PLAN (2017) Form 5500
Creator: RALCO HOLDINGS, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, THE RETIREMENT AND SAVINGS PLAN, RALCO HOLDINGS, INC.

RALCO HOLDINGS, INC.EIN 14-1980707Plan #001PY 2017

651 CANYON DRIVE, SUITE 100 - COPPELL, TX 75019469-707-5053LinkedIn11-50 employees

Prospect flagsLow participationFailed to transmit contributionsCorrective distributions

How to read this page

Total assets (EOY)

$81.6M

No prior year

Total participants

2,275

No prior year

Average account balance

$48,575

No prior year

Annual return

16.79%

No prior year

Benchmarks

See 255 peers

Peer group

Industry42 - Wholesale Trade

Plan typeDefined contribution

Participants1,000-4,999

Cohort255 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$51.67M

Not enough data

1 years with asset history on file

Average account balance

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

$61K

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.

841

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.

80.7%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$679K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$6K

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

+12.11%

Not enough data

1 years with return on file

Admin fee / account holder

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

$425

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
JOHN HANCOCK LIFE INSURANCE COMPANY1+ years Filed as: JOHN HANCOCK RETIREMENT PLAN SRVCS Service code 15 · EIN 01-0233346	Recordkeeping	$60,965
SAGEVIEW ADVISORY GROUP, LLC1+ years Filed as: SAGEVIEW Service code 27 · EIN 33-0818667 1920 MAIN STREET, SUITE 800 · IRVINE, CA 92614	Advisory (Plan)	$58,624
BKD, LLP1+ years Filed as: BKD CPA & ADVISORS Service code 10 · EIN 44-0160260 201 N. ILLINOIS STREET, SUITE 700 · INDIANAPOLIS, IN 46244	Accounting	$22,048

Plan features & details

Pension benefit codes2E2F2G2J2K2T3H

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.
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.
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.
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

3 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).
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$142K

$89 / participant

Investment mgmt$59K41.4%
Contract admin$61K43.0%
Other / not subdivided$22K15.6%

% of EOY assets

0.174%

all-in expense ratio

Categories reported

2 / 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: BKD, LLP
Auditor EIN: 440160260
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$48,575

$67,228-27.7%

$117,860-58.8%

$77,958-37.7%

Participation rate

62.6%

79.4%-16.8pp

79.7%-17.1pp

71.6%-9.1pp

Annual return

16.79%

19.13%-2.3pp

335.10%-318.3pp

20.87%-4.1pp

Employer contribution / active EE

$1,606

$2,211-27.4%

$3,786-57.6%

$2,310-30.5%

Participant deferral / active EE

$2,370

$3,653-35.1%

$4,482-47.1%

$3,537-33.0%

Admin fee / account holder

$84

$76+11.2%

$8,021-98.9%

$97-13.4%

Provider

Service type

Compensation

JOHN HANCOCK LIFE INSURANCE COMPANY1+ years

Filed as: JOHN HANCOCK RETIREMENT PLAN SRVCS

Service code 15 · EIN 01-0233346

Recordkeeping

$60,965

SAGEVIEW ADVISORY GROUP, LLC1+ years

Filed as: SAGEVIEW

Service code 27 · EIN 33-0818667

1920 MAIN STREET, SUITE 800 · IRVINE, CA 92614

Advisory (Plan)

$58,624

BKD, LLP1+ years

Filed as: BKD CPA & ADVISORS

Service code 10 · EIN 44-0160260

201 N. ILLINOIS STREET, SUITE 700 · INDIANAPOLIS, IN 46244

Accounting

$22,048

THE RETIREMENT AND SAVINGS PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

THE RETIREMENT AND SAVINGS 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