Retirement plan

UNITED CEREBRAL PALSY ASSOCIATIONS OF THE NORTH COUNTRY, INC 401(K)

Name: UNITED CEREBRAL PALSY ASSOCIATIONS OF THE NORTH COUNTRY,INC - UNITED CEREBRAL PALSY ASSOCIATIONS OF THE NORTH COUNTRY, INC 401(K) (2017) Form 5500
Creator: UNITED CEREBRAL PALSY ASSOCIATIONS OF THE NORTH COUNTRY,INC
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, UNITED CEREBRAL PALSY ASSOCIATIONS OF THE NORTH COUNTRY, INC 401(K), UNITED CEREBRAL PALSY ASSOCIATIONS OF THE NORTH COUNTRY,INC

UNITED CEREBRAL PALSY ASSOCIATIONS OF THE NORTH COUNTRY,INCEIN 16-1568985Plan #002PY 2017

4 COMMERCE LANE - CANTON, NY 13617315-386-1156

Prospect flagsLow participationLow participant contribution

How to read this page

Total assets (EOY)

$5.4M

+16.7% from 2016

Total participants

624

-15.7% from 2016

Average account balance

$14,538

+43.5% from 2016

Annual return

14.73%

+5.93 pp from 2016

Benchmarks

See 3,813 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants250-999

Cohort3,813 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$8.37M

Not enough data

1 years with asset history on file

Average account balance

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

$38K

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.

220

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.

73.3%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$723K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$4K

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

+10.06%

Not enough data

1 years with return on file

Admin fee / account holder

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

$231

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 4 by compensation

Provider	Service type	Compensation
TRANSAMERICA RETIREMENT SOLUTIONS1 year Filed as: TRANSAMERICA REITREMENT SOLUTIONS Service code 15 · EIN 13-3689044	Recordkeeping	$18,040
LPL FINANCIAL1 year Service code 27 · EIN 04-3406611	Advisory (Plan)	$7,258
UNITED OF OMAHA1 year Service code 26 · EIN 13-1595128	Advisory (Participants)	$6,193
STADION MONEY MANAGEMENT3+ years Service code 26 · EIN 58-2099805	Advisory (Participants)	$5,896

Plan features & details

Pension benefit codes2E3D2G2J2F2T2K

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.
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

2 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$37K

$73 / participant

Investment mgmt$13K35.2%
Other / not subdivided$24K64.8%

% of EOY assets

0.695%

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: BONADIO & CO., LLP
Auditor EIN: 161131146
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$14,538

$46,173-68.5%

$170,435-91.5%

$69,631-79.1%

Participation rate

50.6%

63.9%-13.3pp

83.6%-33.0pp

70.7%-20.1pp

Annual return

14.73%

21.62%-6.9pp

205.94%-191.2pp

27571.02%-27556.3pp

Employer contribution / active EE

$577

$1,610-64.2%

$5,432-89.4%

$2,032-71.6%

Participant deferral / active EE

$478

$2,080-77.0%

$4,939-90.3%

$3,224-85.2%

Admin fee / account holder

$101

$116-12.9%

$13,881-99.3%

$110-8.5%

Provider

Service type

Compensation

TRANSAMERICA RETIREMENT SOLUTIONS1 year

Filed as: TRANSAMERICA REITREMENT SOLUTIONS

Service code 15 · EIN 13-3689044

Recordkeeping

$18,040

LPL FINANCIAL1 year

Service code 27 · EIN 04-3406611

Advisory (Plan)

$7,258

UNITED OF OMAHA1 year

Service code 26 · EIN 13-1595128

Advisory (Participants)

$6,193

STADION MONEY MANAGEMENT3+ years

Service code 26 · EIN 58-2099805

Advisory (Participants)

$5,896

UNITED CEREBRAL PALSY ASSOCIATIONS OF THE NORTH COUNTRY, INC 401(K)

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

UNITED CEREBRAL PALSY ASSOCIATIONS OF THE NORTH COUNTRY, INC 401(K)

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