Retirement plan

CHILD GUIDANCE RESOURCE CENTERS 403(B) RETIREMENT PLAN

Name: CHILD GUIDANCE RESOURCE CENTERS - CHILD GUIDANCE RESOURCE CENTERS 403(B) RETIREMENT PLAN (2020) Form 5500
Creator: CHILD GUIDANCE RESOURCE CENTERS
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CHILD GUIDANCE RESOURCE CENTERS 403(B) RETIREMENT PLAN, CHILD GUIDANCE RESOURCE CENTERS

CHILD GUIDANCE RESOURCE CENTERSEIN 23-1490061Plan #002PY 2020

2000 OLD WEST CHESTER PIKE - HAVERTOWN, PA 190832418484-454-8700cgrc.orgLinkedIn201-500 employeesmental health care

Prospect flagsLow returnsLow participation

How to read this page

Total assets (EOY)

$11.4M

+10.6% from 2019

Total participants

571

-7.5% from 2019

Average account balance

$36,865

+18.5% from 2019

Annual return

5.42%

-0.71 pp from 2019

Benchmarks

See 3,872 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants250-999

Cohort3,872 peers

Snapshot2020

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

Analytics

Total assets (EOY)

Plan-year ending balance

$14.19M

Not enough data

1 years with asset history on file

Average account balance

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

$46K

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.

310

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.

59.9%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$738K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$3K

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

+9.04%

Not enough data

1 years with return on file

Admin fee / account holder

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

$231

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
KESTRA INVESTMENT SERVICES LLC3 years Service code 71 · EIN 74-2794194 5707 SOUTHWEST PARKWAY · AUSTIN, TX 787353300	Brokerage Fees	$26,874
LT TRUST COMPANY5+ years Filed as: MG TRUST COMPANY Service code 19 · EIN 75-3182674 717 17TH STREET, SUITE 1300 · DENVER, CO 80202	Securities Custodian	$11,968
PRINCIPAL LIFE INSURANCE COMPANY1 year Service code 13 · EIN 42-0127290	Contract Administrator	$8,933
NFP RETIREMENT INC1 year Filed as: NFP CORPORATE SERVICES (PA), INC. Service code 13	Contract Administrator	$8,388
ASPIRE FINANCIAL SERVICES5+ years Filed as: ASPIRE FINANCIAL Service code 15 · EIN 27-1033755 4010 BOY SCOUT BLVD · TAMPA, FL 330675727	Recordkeeping	$7,303
NFP RETIREMENT INC3 years Filed as: NFP CORPORATE SERVICES (PA) INC. Service code 22 · EIN 13-4096969 2600 KELLY ROAD · WARRINGTON, PA 18976	Insurance Broker	$5,060
KESTRA INVESTMENT SERVICES LLC1 year Filed as: KESTRA ADVISORY SERVICES, LLC Service code 27	Advisory (Plan)	$3

Plan features & details

Pension benefit codes2F2G2K2M

Plan features

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.
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.
2M
Code section 403(b)(7) accounts
Plan uses Code section 403(b)(7) custodial accounts as a funding vehicle.

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

$60K

$123 / participant

Contract admin$27K44.7%
Other / not subdivided$33K55.3%

% of EOY assets

0.530%

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: RAINER & COMPANY
Auditor EIN: 232183936
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$36,865

$52,293-29.5%

$178,499-79.3%

$73,412-49.8%

Participation rate

46.2%

65.3%-19.1pp

81.9%-35.7pp

72.2%-26.0pp

Annual return

5.42%

34.75%-29.3pp

151.10%-145.7pp

59.30%-53.9pp

Employer contribution / active EE

$1,131

$1,735-34.8%

$5,011-77.4%

$2,234-49.4%

Participant deferral / active EE

$931

$2,332-60.1%

$5,202-82.1%

$3,806-75.5%

Admin fee / account holder

$195

$127+53.3%

$13,986-98.6%

$158+23.7%

Provider

Service type

Compensation

KESTRA INVESTMENT SERVICES LLC3 years

Service code 71 · EIN 74-2794194

5707 SOUTHWEST PARKWAY · AUSTIN, TX 787353300

Brokerage Fees

$26,874

LT TRUST COMPANY5+ years

Filed as: MG TRUST COMPANY

Service code 19 · EIN 75-3182674

717 17TH STREET, SUITE 1300 · DENVER, CO 80202

Securities Custodian

$11,968

PRINCIPAL LIFE INSURANCE COMPANY1 year

Service code 13 · EIN 42-0127290

Contract Administrator

$8,933

NFP RETIREMENT INC1 year

Filed as: NFP CORPORATE SERVICES (PA), INC.

Service code 13

Contract Administrator

$8,388

ASPIRE FINANCIAL SERVICES5+ years

Filed as: ASPIRE FINANCIAL

Service code 15 · EIN 27-1033755

4010 BOY SCOUT BLVD · TAMPA, FL 330675727

Recordkeeping

$7,303

NFP RETIREMENT INC3 years

Filed as: NFP CORPORATE SERVICES (PA) INC.

Service code 22 · EIN 13-4096969

2600 KELLY ROAD · WARRINGTON, PA 18976

Insurance Broker

$5,060

KESTRA INVESTMENT SERVICES LLC1 year

Filed as: KESTRA ADVISORY SERVICES, LLC

Service code 27

Advisory (Plan)

CHILD GUIDANCE RESOURCE CENTERS 403(B) RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CHILD GUIDANCE RESOURCE CENTERS 403(B) 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