Retirement plan

OXFORD CAPITAL GROUP 401(K) PROFIT SHARING PLAN

Name: OXFORD CAPITAL GROUP, LLC - OXFORD CAPITAL GROUP 401(K) PROFIT SHARING PLAN (2017) Form 5500
Creator: OXFORD CAPITAL GROUP, LLC
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, OXFORD CAPITAL GROUP 401(K) PROFIT SHARING PLAN, OXFORD CAPITAL GROUP, LLC

OXFORD CAPITAL GROUP, LLCEIN 20-4187600Plan #001PY 2017

350 WEST HUBBARD STREET, SUITE 440 - CHICAGO, IL 60654312-755-9500oxford-capital.comLinkedIn11-50 employeesreal estate

Prospect flagsLow participationLow assets / participantLow employer contributionLow participant contributionLow fidelity bondCorrective distributions

How to read this page

Total assets (EOY)

$1.4M

+34.7% from 2016

Total participants

641

-8.0% from 2016

Average account balance

$4,800

+37.0% from 2016

Annual return

21.33%

-9.25 pp from 2016

Benchmarks

See 2,615 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants250-999

Cohort2,615 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$15.47M

Not enough data

1 years with asset history on file

Average account balance

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

$40K

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.

389

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.

22.9%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$2.72M

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

+17.59%

Not enough data

1 years with return on file

Admin fee / account holder

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

$292

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 7 by compensation

Provider	Service type	Compensation
MASSACHUSETTS MUTUAL LIFE INS. CO.3+ years Filed as: MASSMUTUAL Service code 15 · EIN 04-1590850	Recordkeeping	$6,598
GOLDLEAF PARTNERS1 year Service code 15 · EIN 45-0514557	Recordkeeping	$0
LPL FINANCIAL1 year Filed as: LPL FINANCIAL LLC Service code 15 · EIN 95-2834236	Recordkeeping	$0
MESIROW FINANCIAL INVESTMENT MANAGE1 year Service code 49 · EIN 36-3429599	Other Services	$0
MORGAN STANLEY SMITH BARNEY1 year Filed as: MORGAN STANLEY Service code 15 · EIN 51-0116113	Recordkeeping	$0
MORNINGSTAR1 year Filed as: MORNINGSTAR ASSOCIATES, LLC Service code 49 · EIN 36-4317381	Other Services	$0
THE RETIREMENT ADVANTAGE INC1 year Service code 15 · EIN 39-1816008	Recordkeeping	$0

Plan features & details

Pension benefit codes2E2F2G2J2K2T3D

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.

Opportunity flags

6 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.
OpportunityLow employer contribution
Employer 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.
ComplianceLow fidelity bond
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$7K

$15 / participant

Contract admin$7K100.0%

% of EOY assets

0.474%

all-in expense ratio

Categories reported

1 / 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: BDO USA, LLP
Auditor EIN: 135381590
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$4,800

$155,795-96.9%

$136,298-96.5%

$69,631-93.1%

Participation rate

20.4%

75.2%-54.8pp

81.9%-61.5pp

70.7%-50.3pp

Annual return

21.33%

232464.33%-232443.0pp

5156.27%-5134.9pp

27571.02%-27549.7pp

Employer contribution / active EE

$236

$2,991-92.1%

$4,696-95.0%

$2,032-88.4%

Participant deferral / active EE

$464

$5,394-91.4%

$6,247-92.6%

$3,224-85.6%

Admin fee / account holder

$23

$128-82.3%

$9,244-99.8%

$110-79.4%

Provider

Service type

Compensation

MASSACHUSETTS MUTUAL LIFE INS. CO.3+ years

Filed as: MASSMUTUAL

Service code 15 · EIN 04-1590850

Recordkeeping

$6,598

GOLDLEAF PARTNERS1 year

Service code 15 · EIN 45-0514557

Recordkeeping

LPL FINANCIAL1 year

Filed as: LPL FINANCIAL LLC

Service code 15 · EIN 95-2834236

Recordkeeping

MESIROW FINANCIAL INVESTMENT MANAGE1 year

Service code 49 · EIN 36-3429599

Other Services

MORGAN STANLEY SMITH BARNEY1 year

Filed as: MORGAN STANLEY

Service code 15 · EIN 51-0116113

Recordkeeping

MORNINGSTAR1 year

Filed as: MORNINGSTAR ASSOCIATES, LLC

Service code 49 · EIN 36-4317381

Other Services

THE RETIREMENT ADVANTAGE INC1 year

Service code 15 · EIN 39-1816008

Recordkeeping

OXFORD CAPITAL GROUP 401(K) PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

OXFORD CAPITAL GROUP 401(K) PROFIT SHARING 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