Retirement plan

RUTTER'S RETIREMENT SAVINGS PLAN

Name: RUTTER'S - RUTTER'S RETIREMENT SAVINGS PLAN (2023) Form 5500
Creator: RUTTER'S
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, RUTTER'S RETIREMENT SAVINGS PLAN, RUTTER'S

RUTTER'SEIN 23-1331865Plan #003PY 2023

2295 SUSQUEHANNA TRAIL - YORK, PA 17404717-848-9827rutters.comLinkedIn1001-5000 employeesretail

Prospect flagsLow returnsLow participation

How to read this page

Total assets (EOY)

$20.3M

+18.7% from 2022

Total participants

1,550

-0.9% from 2022

Average account balance

$40,366

+12.3% from 2022

Annual return

14.50%

+30.23 pp from 2022

Benchmarks

See 377 peers

Peer group

Industry44 - Retail Trade

Plan typeDefined contribution

Participants1,000-4,999

Cohort377 peers

Snapshot2023

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

Analytics

Total assets (EOY)

Plan-year ending balance

Not enough data

1 years with asset history on file

Average account balance

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

Not enough data

0 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

Not enough data

0 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

Not enough data

0 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

Not enough data

0 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

Not enough data

0 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

-100.00%

Not enough data

1 years with return on file

Admin fee / account holder

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

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

Top 3 by compensation

Provider	Service type	Compensation
JOHN HANCOCK LIFE INSURANCE COMPANY3 years Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346	Recordkeeping	$41,289
ALDEN CAPITAL3 years Service code 27 37 WEST AVE. · WAYNE, PA 19087	Advisory (Plan)	$17,242
LPL FINANCIAL3 years Filed as: LPL Service code 27 · EIN 04-3046611	Advisory (Plan)	$17,242

Plan features & details

Pension benefit codes2E2G2J2K3H2T

Plan features

2E
Profit-sharing
Profit-sharing plan.
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

$76K

$52 / participant

Investment mgmt$35K46.8%
Contract admin$40K53.2%

% of EOY assets

0.374%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: STAMBAUGH NESS, INC.
Auditor EIN: 232846715
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$40,366

$44,626-9.5%

$86,235-53.2%

$80,169-49.6%

Participation rate

28.5%

63.5%-35.0pp

69.0%-40.4pp

72.9%-44.4pp

Annual return

14.50%

19.61%-5.1pp

1170.03%-1155.5pp

40.39%-25.9pp

Employer contribution / active EE

$438

$1,099-60.2%

$2,381-81.6%

$2,978-85.3%

Participant deferral / active EE

$1,249

$2,769-54.9%

$3,987-68.7%

$5,016-75.1%

Admin fee / account holder

$151

$133+13.3%

$6,856-97.8%

$145+4.1%

Provider

Service type

Compensation

JOHN HANCOCK LIFE INSURANCE COMPANY3 years

Filed as: JOHN HANCOCK

Service code 15 · EIN 01-0233346

Recordkeeping

$41,289

ALDEN CAPITAL3 years

Service code 27

37 WEST AVE. · WAYNE, PA 19087

Advisory (Plan)

$17,242

LPL FINANCIAL3 years

Filed as: LPL

Service code 27 · EIN 04-3046611

Advisory (Plan)

$17,242

RUTTER'S RETIREMENT SAVINGS PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

RUTTER'S RETIREMENT SAVINGS 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