Retirement plan

CIVES CORPORATION SAVINGS AND RETIREMENT PLAN

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

CIVES CORPORATIONEIN 16-0955800Plan #001PY 2017

3700 MANSELL RD, SUITE 500 - ALPHARETTA, GA 300221505315-428-3830LinkedIn1001-5000 employeesconstruction

Other plans on this EIN

1 filing

#201Retirement-$66.6M assets

Prospect flagsLow returnsLow employer contributionFailed to transmit contributionsCorrective distributions

Top hat statement on fileNQDC

Filed September 21, 1992

This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.

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Total assets (EOY)

$81.3M

+9.7% from 2016

Total participants

1,418

-0.6% from 2016

Average account balance

$62,422

+8.8% from 2016

Annual return

11.50%

+4.31 pp from 2016

Benchmarks

See 786 peers

Peer group

Industry33 - Manufacturing

Plan typeDefined contribution

Participants1,000-4,999

Cohort786 peers

Snapshot2017

See peer percentile detail. $4.99 for your first month.

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Analytics

Total assets (EOY)

Plan-year ending balance

$106.16M

Not enough data

1 years with asset history on file

Average account balance

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

$72K

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.

1,481

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.

92.5%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$6.98M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$5K

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

+14.03%

Not enough data

1 years with return on file

Admin fee / account holder

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

$134

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

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Service providers

Top 5 by compensation

Provider	Service type	Compensation
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290	Contract Administrator	$149,140
HAZARD & SIEGEL INC3+ years Service code 49 · EIN 16-0954584	Other Services	$36,506
HAZARD & SIEGEL AGENCY LLC3+ years Service code 49 · EIN 20-0044877	Other Services	$28,669
BENNETT THRASHER LLP3+ years Filed as: BENNETT THRASHER Service code 10 · EIN 58-1683616	Accounting	$8,967
WILSHIRE ASSOCIATES INCORPORATED3+ years Service code 27 · EIN 95-2755361	Advisory (Plan)	$0

Plan features & details

Pension benefit codes2E2F2G2J2K2S2T3D3H

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.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
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

4 tripped

OpportunityLow employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
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

$158K

$124 / participant

Contract admin$149K94.3%
Other / not subdivided$9K5.7%

% of EOY assets

0.195%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Disclaimer opinion

The auditor declined to give an opinion. This is usually a 103(a)(3)(C) limited-scope election.

Auditor firm: BENNETT THRASHER
Auditor EIN: 581683616
Audit fees: (not subdivided)
Opinion code: Disclaimer

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$62,422

$88,730-29.6%

$82,313-24.2%

$77,958-19.9%

Participation rate

90.9%

84.5%+6.4pp

76.9%+14.0pp

71.6%+19.3pp

Annual return

11.50%

20.88%-9.4pp

25.88%-14.4pp

20.87%-9.4pp

Employer contribution / active EE

$737

$2,758-73.3%

$2,428-69.7%

$2,310-68.1%

Participant deferral / active EE

$2,966

$4,634-36.0%

$3,706-20.0%

$3,537-16.1%

Admin fee / account holder

$121

$74+64.1%

$5,608-97.8%

$97+24.7%

Provider

Service type

Compensation

PRINCIPAL LIFE INSURANCE COMPANY3+ years

Service code 13 · EIN 42-0127290

Contract Administrator

$149,140

HAZARD & SIEGEL INC3+ years

Service code 49 · EIN 16-0954584

Other Services

$36,506

HAZARD & SIEGEL AGENCY LLC3+ years

Service code 49 · EIN 20-0044877

Other Services

$28,669

BENNETT THRASHER LLP3+ years

Filed as: BENNETT THRASHER

Service code 10 · EIN 58-1683616

Accounting

$8,967

WILSHIRE ASSOCIATES INCORPORATED3+ years

Service code 27 · EIN 95-2755361

Advisory (Plan)

CIVES CORPORATION SAVINGS AND RETIREMENT PLAN

Top hat statement on fileNQDC

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CIVES CORPORATION SAVINGS AND RETIREMENT PLAN

Top hat statement on fileNQDC

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