Retirement plan

FRONTIER NATURAL PRODUCTS CO-OP 401(K) PLAN

Name: FRONTIER DISTRIBUTION LLC - FRONTIER NATURAL PRODUCTS CO-OP 401(K) PLAN (2017) Form 5500
Creator: FRONTIER DISTRIBUTION LLC
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, FRONTIER NATURAL PRODUCTS CO-OP 401(K) PLAN, FRONTIER DISTRIBUTION LLC

FRONTIER DISTRIBUTION LLCEIN 20-3013069Plan #001PY 2017

3021 78TH STREET, PO BOX 299 - NORWAY, IA 52318319-227-7996

Prospect flagsNo flags tripped

How to read this page

Total assets (EOY)

$30.5M

+19.7% from 2016

Total participants

546

-10.6% from 2016

Average account balance

$57,405

+34.4% from 2016

Annual return

17.69%

+7.21 pp from 2016

Benchmarks

See 684 peers

Peer group

Industry31 - Manufacturing

Plan typeDefined contribution

Participants250-999

Cohort684 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$53.59M

Not enough data

1 years with asset history on file

Average account balance

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

$77K

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.

693

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.

92.5%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$3.68M

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

+16.04%

Not enough data

1 years with return on file

Admin fee / account holder

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

$185

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
LPL FINANCIAL3+ years Service code 17 42 7TH AVE. SW · CEDAR RAPIDS, IA 52404	Pension Consulting	$40,000
DIGITAL RETIREMENT SOLUTIONS, INC.3+ years Service code 12 · EIN 84-1477138	Recordkeeping and information managem...	$27,229
NEWPORT GROUP, INC.3+ years Filed as: MATRIX FINANCIAL SOLUTIONS, INC. Service code 18 · EIN 20-1591048	Direct payment from the plan; Investm...	$10,161

Plan features & details

Pension benefit codes2E2F2G2J2S2T3D3H

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.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
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

0 tripped

No flags tripped for this filing year. This plan looks clean.

Expense breakdown

Schedule H Part II

Admin total

$77K

$170 / participant

Investment mgmt$40K51.7%
Contract admin$27K35.2%
Other / not subdivided$10K13.1%

% of EOY assets

0.254%

all-in expense ratio

Categories reported

2 / 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: BERGANKDV, LTD
Auditor EIN: 411431613
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$57,405

$53,925+6.5%

$75,501-24.0%

$69,631-17.6%

Participation rate

96.7%

71.2%+25.5pp

72.4%+24.3pp

70.7%+26.0pp

Annual return

17.69%

17.84%-0.1pp

27.35%-9.7pp

27571.02%-27553.3pp

Employer contribution / active EE

$1,797

$1,802-0.3%

$2,352-23.6%

$2,032-11.6%

Participant deferral / active EE

$3,583

$2,569+39.4%

$3,142+14.0%

$3,224+11.1%

Admin fee / account holder

$146

$97+50.1%

$5,801-97.5%

$110+32.0%

Provider

Service type

Compensation

LPL FINANCIAL3+ years

Service code 17

42 7TH AVE. SW · CEDAR RAPIDS, IA 52404

Pension Consulting

$40,000

DIGITAL RETIREMENT SOLUTIONS, INC.3+ years

Service code 12 · EIN 84-1477138

Recordkeeping and information managem...

$27,229

NEWPORT GROUP, INC.3+ years

Filed as: MATRIX FINANCIAL SOLUTIONS, INC.

Service code 18 · EIN 20-1591048

Direct payment from the plan; Investm...

$10,161

FRONTIER NATURAL PRODUCTS CO-OP 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

FRONTIER NATURAL PRODUCTS CO-OP 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