Retirement plan

CAROLINA ONE RETIREMENT PLAN

Name: O'SHAUGHNESSY REAL ESTATE, INC. - CAROLINA ONE RETIREMENT PLAN (2017) Form 5500
Creator: O'SHAUGHNESSY REAL ESTATE, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CAROLINA ONE RETIREMENT PLAN, O'SHAUGHNESSY REAL ESTATE, INC.

O'SHAUGHNESSY REAL ESTATE, INC.EIN 20-4997469Plan #001PY 2017

4024 SALT POINTE PARKWAY - CHARLESTON, SC 29405843-763-4307

Prospect flagsHigh feesLow participationFailed to transmit contributions

How to read this page

Total assets (EOY)

$8.3M

+22.9% from 2016

Total participants

147

-4.5% from 2016

Average account balance

$83,766

+6.7% from 2016

Annual return

15.42%

+7.66 pp from 2016

Benchmarks

See 939 peers

Peer group

Industry53 - Real Estate and Rental and Leasing

Plan typeDefined contribution

Participants100-249

Cohort939 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$12.54M

Not enough data

1 years with asset history on file

Average account balance

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

$111K

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.

113

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.

60.6%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$720K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$6K

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

+14.02%

Not enough data

1 years with return on file

Admin fee / account holder

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

$703

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

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Service providers

Top 10 of 22 by compensation

Provider	Service type	Compensation
COMMONWEALTH FINANCIAL NETWORK1 year Service code 27 · EIN 04-2675571	Advisory (Plan)	$26,261
MASSACHUSETTS MUTUAL LIFE INS. CO.1 year Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850	Indirect Investment Fees	$19,086
QUALIFIED PLANS, LLC3+ years Service code 13 · EIN 58-2605083	Contract Administrator	$5,859
AB FUNDS1 year Service code 52 · EIN 13-4064930	Indirect Investment Fees	$0
AMERICAN CENTURY1 year Service code 52 · EIN 44-6006315	Indirect Investment Fees	$0
AMERICAN FUNDS1 year Service code 52 · EIN 95-2817150	Indirect Investment Fees	$0
BARON1 year Service code 52 · EIN 13-3806818	Indirect Investment Fees	$0
COLUMBIA1 year Service code 52 · EIN 36-3376651	Indirect Investment Fees	$0
DIMENSIONAL FUND ADVISORS1 year Service code 52 · EIN 36-3129984	Indirect Investment Fees	$0
ENVESTNET RETIREMENT SOLUTIONS, LLC2 years Service code 27 · EIN 61-1732930	Advisory (Plan)	$0

Plan features & details

Pension benefit codes2E2F2J2K2T3D3H2G

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

3 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
ComplianceFailed to transmit contributions
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).

Expense breakdown

Schedule H Part II

Admin total

$45K

$357 / participant

Contract admin$45K100.0%

% of EOY assets

0.547%

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: TJS DEEMER DANA LLP
Auditor EIN: 582663273
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$83,766

$52,639+59.1%

$185,117-54.7%

$62,293+34.5%

Participation rate

62.2%

63.9%-1.7pp

77.3%-15.1pp

69.5%-7.3pp

Annual return

15.42%

19.57%-4.2pp

40.50%-25.1pp

28.90%-13.5pp

Employer contribution / active EE

$1,171

$1,483-21.0%

$4,182-72.0%

$2,042-42.7%

Participant deferral / active EE

$3,713

$3,097+19.9%

$5,045-26.4%

$3,169+17.2%

Admin fee / account holder

$458

$374+22.6%

$8,159-94.4%

$479-4.4%

Provider

Service type

Compensation

COMMONWEALTH FINANCIAL NETWORK1 year

Service code 27 · EIN 04-2675571

Advisory (Plan)

$26,261

MASSACHUSETTS MUTUAL LIFE INS. CO.1 year

Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE

Service code 52 · EIN 04-1590850

Indirect Investment Fees

$19,086

QUALIFIED PLANS, LLC3+ years

Service code 13 · EIN 58-2605083

Contract Administrator

$5,859

AB FUNDS1 year

Service code 52 · EIN 13-4064930

Indirect Investment Fees

AMERICAN CENTURY1 year

Service code 52 · EIN 44-6006315

Indirect Investment Fees

AMERICAN FUNDS1 year

Service code 52 · EIN 95-2817150

Indirect Investment Fees

BARON1 year

Service code 52 · EIN 13-3806818

Indirect Investment Fees

COLUMBIA1 year

Service code 52 · EIN 36-3376651

Indirect Investment Fees

DIMENSIONAL FUND ADVISORS1 year

Service code 52 · EIN 36-3129984

Indirect Investment Fees

ENVESTNET RETIREMENT SOLUTIONS, LLC2 years

Service code 27 · EIN 61-1732930

Advisory (Plan)

CAROLINA ONE RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CAROLINA ONE 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