Retirement plan

RCJF MANAGEMENT, INC. RETIREMENT PLAN

Name: RCJF MANAGEMENT, INC. - RCJF MANAGEMENT, INC. RETIREMENT PLAN (2017) Form 5500
Creator: RCJF MANAGEMENT, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, RCJF MANAGEMENT, INC. RETIREMENT PLAN, RCJF MANAGEMENT, INC.

RCJF MANAGEMENT, INC.EIN 20-1704266Plan #001PY 2017

50 STATE STREET - CLAYTON, NY 13624315-686-3378

Prospect flagsLow participationLow participant contribution

How to read this page

Total assets (EOY)

$1.5M

+19.4% from 2016

Total participants

105

+1.9% from 2016

Average account balance

$38,128

+28.6% from 2016

Annual return

13.76%

+9.09 pp from 2016

Benchmarks

See 2,319 peers

Peer group

Industry44 - Retail Trade

Plan typeDefined contribution

Participants100-249

Cohort2,319 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$2.48M

Not enough data

1 years with asset history on file

Average account balance

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

$67K

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.

370.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$234K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$23K

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

+10.14%

Not enough data

1 years with return on file

Admin fee / account holder

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

$15956

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

Top 2 by compensation

Provider	Service type	Compensation
MATRIX TRUST COMPANY3+ years Service code 21 · EIN 75-3182674	Bank Trustee	$1,844
VOYA RETIREMENT INSURANCE & ANNUITY1 year Filed as: VOYA RETIREMENT INSURANCE AND ANNUI Service code 64 · EIN 71-0294708	Recordkeeping Fees	$450

Plan features & details

Pension benefit codes2E2G2J2K2F2T3H

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.
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

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

$7K

$72 / participant

Other / not subdivided$7K100.0%

% of EOY assets

0.484%

all-in expense ratio

Categories reported

0 / 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: SMOLEN BONGHI FLEISCHMANN LLP
Auditor EIN: 472554597
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$38,128

$51,466-25.9%

$78,778-51.6%

$62,293-38.8%

Participation rate

34.0%

59.8%-25.8pp

69.2%-35.2pp

69.5%-35.5pp

Annual return

13.76%

19.96%-6.2pp

35.62%-21.9pp

28.90%-15.1pp

Employer contribution / active EE

$491

$827-40.7%

$1,986-75.3%

$2,042-76.0%

Participant deferral / active EE

$993

$2,147-53.8%

$2,958-66.4%

$3,169-68.7%

Admin fee / account holder

$184

$489-62.3%

$5,134-96.4%

$479-61.5%

Provider

Service type

Compensation

MATRIX TRUST COMPANY3+ years

Service code 21 · EIN 75-3182674

Bank Trustee

$1,844

VOYA RETIREMENT INSURANCE & ANNUITY1 year

Filed as: VOYA RETIREMENT INSURANCE AND ANNUI

Service code 64 · EIN 71-0294708

Recordkeeping Fees

$450

RCJF MANAGEMENT, INC. RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

RCJF MANAGEMENT, INC. RETIREMENT 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