Retirement plan

RETIREMENT CAPITAL STRATEGIES 401(K) PLAN

Name: RETIREMENT CAPITAL STRATEGIES - RETIREMENT CAPITAL STRATEGIES 401(K) PLAN (2015) Form 5500
Creator: RETIREMENT CAPITAL STRATEGIES
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, RETIREMENT CAPITAL STRATEGIES 401(K) PLAN, RETIREMENT CAPITAL STRATEGIES

RETIREMENT CAPITAL STRATEGIESEIN 20-0036697Plan #001PY 2015

1190 SARATOGA AVENUE, STE 140 - SAN JOSE, CA 95129408-551-6100rcsadvisor.comLinkedIn1-10 employeesinvestment management

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$412K

No prior year

Total participants

No prior year

Average account balance

$68,655

No prior year

Annual return

0.64%

No prior year

Benchmarks

See 27,820 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants<25

Cohort27,820 peers

Snapshot2015

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

Analytics

Total assets (EOY)

Plan-year ending balance

$271K

Not enough data

1 years with asset history on file

Average account balance

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

$54K

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.

83.3%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$43K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$7K

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

+14.39%

Not enough data

1 years with return on file

Admin fee / account holder

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

$39

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 codes2E2F2G2J

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.

Opportunity flags

1 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)

Expense breakdown

Schedule H Part II

Admin total

$24K

$3372 / participant

Other / not subdivided$24K100.0%

% of EOY assets

5.730%

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

$68,655

$140,592-51.2%

$123,105-44.2%

$125,389-45.2%

Participation rate

85.7%

88.2%-2.5pp

86.8%-1.1pp

83.2%+2.5pp

Annual return

0.64%

16.80%-16.2pp

13.22%-12.6pp

282.24%-281.6pp

Employer contribution / active EE

$6,041-100.0%

$5,151-100.0%

$4,866-100.0%

Participant deferral / active EE

$8,349

$6,980+19.6%

$6,229+34.0%

$5,352+56.0%

Admin fee / account holder

$3,934

$11,198-64.9%

$9,014-56.4%

$9,541-58.8%

RETIREMENT CAPITAL STRATEGIES 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

RETIREMENT CAPITAL STRATEGIES 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