Retirement plan

DOWN TO EARTH LANDSCAPING 401(K) PLAN

Name: DOWN TO EARTH LANDSCAPING - DOWN TO EARTH LANDSCAPING 401(K) PLAN (2019) Form 5500
Creator: DOWN TO EARTH LANDSCAPING
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, DOWN TO EARTH LANDSCAPING 401(K) PLAN, DOWN TO EARTH LANDSCAPING

DOWN TO EARTH LANDSCAPINGEIN 22-3409991Plan #001PY 2019

705 WRIGHT-DEBOW ROAD - JACKSON, NJ 08527732-833-7702downtoearthlandscaping.comLinkedIn201-500 employeesconstruction

Prospect flagsLow returnsHigh feesLow participation

How to read this page

Total assets (EOY)

$693K

+25.7% from 2018

Total participants

111

-9.0% from 2018

Average account balance

$30,122

+14.7% from 2018

Annual return

15.59%

+19.90 pp from 2018

Benchmarks

See 1,045 peers

Peer group

Industry56 - Administrative and Support and Waste Management and Remediation Services

Plan typeDefined contribution

Participants100-249

Cohort1,045 peers

Snapshot2019

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

Analytics

Total assets (EOY)

Plan-year ending balance

$1.06M

Not enough data

1 years with asset history on file

Average account balance

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

$32K

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.

22.1%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$81K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$546

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

+9.32%

Not enough data

1 years with return on file

Admin fee / account holder

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

$1405

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

Providers data not reported

Schedule C was not filed on this plan's most recent Form 5500, so no compensated service providers are available to display.

Plan features & details

Pension benefit codes2E2F2G2J2T3D3H

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.
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.)
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$14K

$136 / participant

Investment mgmt$13K98.5%
Other / not subdivided$2081.5%

% of EOY assets

1.965%

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: ROCHE MISEO BARCHETTO,LLC
Auditor EIN: 474562483
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$30,122

$38,365-21.5%

$84,628-64.4%

$65,185-53.8%

Participation rate

12.0%

55.7%-43.7pp

68.2%-56.2pp

70.2%-58.2pp

Annual return

15.59%

32.00%-16.4pp

258.80%-243.2pp

29.38%-13.8pp

Employer contribution / active EE

$1,258-100.0%

$2,653-100.0%

$2,177-100.0%

Participant deferral / active EE

$843

$2,278-63.0%

$3,900-78.4%

$3,514-76.0%

Admin fee / account holder

$592

$451+31.1%

$4,914-88.0%

$847-30.1%

DOWN TO EARTH LANDSCAPING 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

DOWN TO EARTH LANDSCAPING 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