Retirement plan

RULE JOY TRAMMELL & RUBIO 401(K) RETIREMENT PLAN

Name: RULE JOY TRAMMELL & RUBIO, LLC - RULE JOY TRAMMELL & RUBIO 401(K) RETIREMENT PLAN (2024) Form 5500
Creator: RULE JOY TRAMMELL & RUBIO, LLC
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, RULE JOY TRAMMELL & RUBIO 401(K) RETIREMENT PLAN, RULE JOY TRAMMELL & RUBIO, LLC

RULE JOY TRAMMELL & RUBIO, LLCEIN 20-2218169Plan #001PY 2024

300 GALLERIA PARKWAY, SUITE 740 - ATLANTA, GA 30339770-661-1492rjtrdesign.comLinkedIn51-200 employeesarchitecture & planning

Prospect flagsLow returnsHigh fees

How to read this page

Total assets (EOY)

$15.6M

+16.0% from 2023

Total participants

142

-9.0% from 2023

Average account balance

$109,619

+27.4% from 2023

Annual return

11.73%

-4.29 pp from 2023

Benchmarks

See 28,860 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants25-99

Cohort28,860 peers

Snapshot2024

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

Analytics

Total assets (EOY)

Plan-year ending balance

$15.57M

Not enough data

1 years with asset history on file

Average account balance

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

$110K

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.

142

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.

100.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.19M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$15K

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

+11.73%

Not enough data

1 years with return on file

Admin fee / account holder

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

$425

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
WELLS FARGO BANK, N.A.3 years Filed as: WELLS FARGO ADVISORS LLC Service code 27 401 S TRYON ST 11TH FL D1050-111 · CHARLOTTE, NC 28081	Advisory (Plan)	$40,057
PENSION FINANCIAL SERVICES, INC.2 years Service code 13 3700 CRESTWOOD PARKWAY, SUITE 550 · DULUTH, GA 30096	Contract Administrator	$14,851
JONES AND KOLB2 years Filed as: JONES AND KOLB PA Service code 10 3475 PIEDMONT RD NE STE 1500 · ATLANTA, GA 30305	Accounting	$11,000
GREAT-WEST LIFE & ANNUITY INSURANCE3 years Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Recordkeeping Fees	$1,360

Plan features & details

Pension benefit codes2A2E2F2G2J2T3D

Plan features

2A
Age/service weighted or new comparability plan
Age/service weighted plan where allocations are based on age service or age and service; or new comparability or similar plan where allocations are based on participant classifications consisting entirely or predominantly of highly compensated employees or the plan provides an additional allocation rate on compensation above a specified threshold that exceeds the permitted disparity limits of Code section 401(l).
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

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$60K

$736 / participant

Recordkeeping$1K2.3%
Investment mgmt$40K66.3%
Contract admin$8K13.2%
Other / not subdivided$11K18.2%

% of EOY assets

0.388%

all-in expense ratio

Categories reported

3 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: JONES AND KOLB
Auditor EIN: 581763570
Audit fees: $11,000
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$109,619

$102,385+7.1%

$147,080-25.5%

$80,935+35.4%

Participation rate

100.0%

75.9%+24.1pp

82.2%+17.8pp

67.7%+32.3pp

Annual return

11.73%

135.09%-123.4pp

420.17%-408.4pp

35.66%-23.9pp

Employer contribution / active EE

$5,593

$3,717+50.5%

$4,933+13.4%

$2,757+102.9%

Participant deferral / active EE

$8,958

$6,651+34.7%

$8,066+11.0%

$4,299+108.3%

Admin fee / account holder

$425

$7,951-94.7%

$12,989-96.7%

$6,924-93.9%

Provider

Service type

Compensation

WELLS FARGO BANK, N.A.3 years

Filed as: WELLS FARGO ADVISORS LLC

Service code 27

401 S TRYON ST 11TH FL D1050-111 · CHARLOTTE, NC 28081

Advisory (Plan)

$40,057

PENSION FINANCIAL SERVICES, INC.2 years

Service code 13

3700 CRESTWOOD PARKWAY, SUITE 550 · DULUTH, GA 30096

Contract Administrator

$14,851

JONES AND KOLB2 years

Filed as: JONES AND KOLB PA

Service code 10

3475 PIEDMONT RD NE STE 1500 · ATLANTA, GA 30305

Accounting

$11,000

GREAT-WEST LIFE & ANNUITY INSURANCE3 years

Filed as: EMPOWER ANNUITY INSURANCE COMPANY

Service code 64

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Recordkeeping Fees

$1,360

RULE JOY TRAMMELL & RUBIO 401(K) RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

RULE JOY TRAMMELL & RUBIO 401(K) 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