Retirement plan

RICOH AMERICAS CORPORATION RETIREMENT SAVINGS PLAN

Name: RICOH USA, INC. - RICOH AMERICAS CORPORATION RETIREMENT SAVINGS PLAN (2015) Form 5500
Creator: RICOH USA, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, RICOH AMERICAS CORPORATION RETIREMENT SAVINGS PLAN, RICOH USA, INC.

RICOH USA, INC.EIN 23-0334400Plan #099PY 2015

70 VALLEY STREAM PARKWAY - MALVERN, PA 193551407610-296-8000ricoh-usa.comLinkedIn10001+ employeesinformation technology and services

Other plans on this EIN

1 filing

#014Retirement-$585.5M assets

Prospect flagsLow returnsLow participation

Top hat statement on fileNQDC

Filed November 9, 2000 (most recent of 5 filings on file)

This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.

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How to read this page

Total assets (EOY)

$1777M

No prior year

Total participants

34,021

No prior year

Average account balance

$67,958

No prior year

Annual return

-1.67%

No prior year

Benchmarks

See 908 peers

Peer group

Industryany (size+type match)

Plan typeDefined contribution

Participants>=10,000

Cohort908 peers

Snapshot2015

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

Analytics

Total assets (EOY)

Plan-year ending balance

$2.17B

Not enough data

1 years with asset history on file

Average account balance

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

$162K

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.

13,400

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.

74.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$99.48M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$9K

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

+13.17%

Not enough data

1 years with return on file

Admin fee / account holder

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

$86

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 7 by compensation

Provider	Service type	Compensation
AON CONSULTING1+ years Filed as: AON CONSULTING INC Service code 16 · EIN 23-1264699	Consulting	$1,644,488
STATE STREET GLOBAL ADVISORS1+ years Service code 21 · EIN 04-1867445	Bank Trustee	$541,495
WELLS FARGO BANK, N.A.1+ years Filed as: WELLS FARGO Service code 28 100 HERITAGE RESERVE · MENOMONEE FALLS, WI 53051	Investment Management	$147,529
MERCER1+ years Filed as: MERCER INVESTMENT CONSULTING Service code 27 · EIN 61-0736136	Advisory (Plan)	$121,547
KPMG LLP1+ years Service code 10 · EIN 13-5565207	Accounting	$93,740
HEWITT ASSOCIATES LLC1+ years Service code 15 · EIN 36-2235791	Recordkeeping	$86,780
BALLARD SPAHR LLP1+ years Filed as: BALLARD SPAHR Service code 29 · EIN 23-0382195	Legal	$22,726

Plan features & details

Pension benefit codes2E2F2G2J2K2T3H

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.
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

2 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$2.4M

$95 / participant

Investment mgmt$122K5.0%
Contract admin$2M95.0%

% of EOY assets

0.138%

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: KPMG LLP
Auditor EIN: 135565207
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$67,958

$69,651-2.4%

$94,229-27.9%

$69,651-2.4%

Participation rate

69.3%

66.6%+2.7pp

78.8%-9.5pp

66.6%+2.7pp

Annual return

-1.67%

53.77%-55.4pp

10.68%-12.4pp

53.77%-55.4pp

Employer contribution / active EE

$3,637

$2,241+62.3%

$3,587+1.4%

$2,241+62.3%

Participant deferral / active EE

$1,558

$3,635-57.2%

$4,320-63.9%

$3,635-57.2%

Admin fee / account holder

$94

$63+48.1%

$6,269-98.5%

$63+48.1%

Provider

Service type

Compensation

AON CONSULTING1+ years

Filed as: AON CONSULTING INC

Service code 16 · EIN 23-1264699

Consulting

$1,644,488

STATE STREET GLOBAL ADVISORS1+ years

Service code 21 · EIN 04-1867445

Bank Trustee

$541,495

WELLS FARGO BANK, N.A.1+ years

Filed as: WELLS FARGO

Service code 28

100 HERITAGE RESERVE · MENOMONEE FALLS, WI 53051

Investment Management

$147,529

MERCER1+ years

Filed as: MERCER INVESTMENT CONSULTING

Service code 27 · EIN 61-0736136

Advisory (Plan)

$121,547

KPMG LLP1+ years

Service code 10 · EIN 13-5565207

Accounting

$93,740

HEWITT ASSOCIATES LLC1+ years

Service code 15 · EIN 36-2235791

Recordkeeping

$86,780

BALLARD SPAHR LLP1+ years

Filed as: BALLARD SPAHR

Service code 29 · EIN 23-0382195

Legal

$22,726

RICOH AMERICAS CORPORATION RETIREMENT SAVINGS PLAN

Top hat statement on fileNQDC

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

RICOH AMERICAS CORPORATION RETIREMENT SAVINGS PLAN

Top hat statement on fileNQDC

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