Retirement plan

TRI-NATIONAL 401(K) PLAN

Name: TRI-NATIONAL, INC. - TRI-NATIONAL 401(K) PLAN (2017) Form 5500
Creator: TRI-NATIONAL, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, TRI-NATIONAL 401(K) PLAN, TRI-NATIONAL, INC.

TRI-NATIONAL, INC.EIN 20-1222154Plan #001PY 2017

13397 LAKEFRONT DRIVE, SUITE 200 - EARTH CITY, MO 63045314-739-5134tri-nat.comLinkedIn501-1000 employeestransportation/trucking/railroad

Prospect flagsLow participationLow assets / participantLow fidelity bondFailed to transmit contributionsCorrective distributions

How to read this page

Total assets (EOY)

$3.6M

+35.6% from 2016

Total participants

707

+10.5% from 2016

Average account balance

$10,790

-0.3% from 2016

Annual return

20.01%

+13.92 pp from 2016

Benchmarks

See 639 peers

Peer group

Industry48 - Transportation and Warehousing

Plan typeDefined contribution

Participants250-999

Cohort639 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$11.20M

Not enough data

1 years with asset history on file

Average account balance

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

$14K

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.

1,405

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.

0.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$2.01M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$2K

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

+14.07%

Not enough data

1 years with return on file

Admin fee / account holder

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

$94

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
MASTER BENEFIT GROUP, INC.1 year Service code 13 · EIN 43-1585882 11166 TESSON FERRY ROAD, SUITE 205 · ST. LOUIS, MO 631236966	Contract Administrator	$5,750
CHARLES SCHWAB & CO., INC.1 year Filed as: CHARLES L. RAYMOND, JR. Service code 26 MORGAN STANLEY WEALTH MANAGEMENT · CHESTERFIELD, MO 63017	Advisory (Participants)	$0
MORGAN STANLEY SMITH BARNEY1 year Filed as: MORGAN STANLEY WEALTH MANAGEMENT Service code 26 14805 NORTH OUTER FORTY ROAD · CHESTERFIELD, MO 63017	Advisory (Participants)	$0

Plan features & details

Pension benefit codes2E2F2G2J2K2T3D3H

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.
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

5 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityLow assets / participant
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
ComplianceLow fidelity bond
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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

$6K

$10 / participant

Contract admin$1K18.7%
Other / not subdivided$5K81.3%

% of EOY assets

0.172%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: CONNER ASH PC
Auditor EIN: 431012822
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$10,790

$44,059-75.5%

$71,671-84.9%

$69,631-84.5%

Participation rate

38.6%

60.8%-22.1pp

68.7%-30.1pp

70.7%-32.1pp

Annual return

20.01%

21.97%-2.0pp

20.65%-0.6pp

27571.02%-27551.0pp

Employer contribution / active EE

$317

$1,305-75.7%

$2,460-87.1%

$2,032-84.4%

Participant deferral / active EE

$860

$2,370-63.7%

$3,438-75.0%

$3,224-73.3%

Admin fee / account holder

$19

$108-82.7%

$5,558-99.7%

$110-83.2%

Provider

Service type

Compensation

MASTER BENEFIT GROUP, INC.1 year

Service code 13 · EIN 43-1585882

11166 TESSON FERRY ROAD, SUITE 205 · ST. LOUIS, MO 631236966

Contract Administrator

$5,750

CHARLES SCHWAB & CO., INC.1 year

Filed as: CHARLES L. RAYMOND, JR.

Service code 26

MORGAN STANLEY WEALTH MANAGEMENT · CHESTERFIELD, MO 63017

Advisory (Participants)

MORGAN STANLEY SMITH BARNEY1 year

Filed as: MORGAN STANLEY WEALTH MANAGEMENT

Service code 26

14805 NORTH OUTER FORTY ROAD · CHESTERFIELD, MO 63017

Advisory (Participants)

TRI-NATIONAL 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

TRI-NATIONAL 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