Retirement plan

RETIREMENT CAPITAL STRATEGIES 401(K) PLAN

Name: RETIREMENT CAPITAL STRATEGIES - RETIREMENT CAPITAL STRATEGIES 401(K) PLAN (2021) 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 2021

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

Prospect flagsLow assets / participantLow participant contribution

How to read this page

Total assets (EOY)

$170K

+28.9% from 2020

Total participants

+40.0% from 2020

Average account balance

$28,284

+7.4% from 2020

Annual return

14.60%

-2.70 pp from 2020

Benchmarks

See 33,463 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants<25

Cohort33,463 peers

Snapshot2021

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 codes2E2F2G2J2T3D

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.

Opportunity flags

2 tripped

OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
OpportunityLow assets / participant
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.

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

$28,284

$209,888-86.5%

$189,545-85.1%

$167,553-83.1%

Participation rate

85.7%

88.7%-3.0pp

87.8%-2.1pp

82.1%+3.6pp

Annual return

14.60%

748.66%-734.1pp

555.36%-540.8pp

478.89%-464.3pp

Employer contribution / active EE

$6,915-100.0%

$6,162-100.0%

$4,840-100.0%

Participant deferral / active EE

$2,688

$8,934-69.9%

$8,220-67.3%

$6,343-57.6%

Admin fee / account holder

$14,300-100.0%

$12,049-100.0%

$12,316-100.0%

RETIREMENT CAPITAL STRATEGIES 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Audit opinioni

RETIREMENT CAPITAL STRATEGIES 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Audit opinion

Benchmarks

Service providers

Opportunity flags

Audit opinion