Retirement plan

STEWART & TATE, INC. EMPLOYEES PROFIT SHARING PLAN

Name: STEWART & TATE, INC. - STEWART & TATE, INC. EMPLOYEES PROFIT SHARING PLAN (2018) Form 5500
Creator: STEWART & TATE, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, STEWART & TATE, INC. EMPLOYEES PROFIT SHARING PLAN, STEWART & TATE, INC.

STEWART & TATE, INC.EIN 23-1624612Plan #002PY 2018

950 SMILE WAY - YORK, PA 17404717-848-2831

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$20.5M

-1.2% from 2017

Total participants

296

+1.4% from 2017

Average account balance

$69,515

-3.2% from 2017

Annual return

-3.92%

-17.51 pp from 2017

Benchmarks

See 2,759 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants100-249

Cohort2,759 peers

Snapshot2018

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

Analytics

Total assets (EOY)

Plan-year ending balance

$27.94M

Not enough data

1 years with asset history on file

Average account balance

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

$92K

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.

303

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.

93.7%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.43M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$8K

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

+7.95%

Not enough data

1 years with return on file

Admin fee / account holder

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

$560

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 4 by compensation

Provider	Service type	Compensation
GLENEMEDE4+ years Service code 19 · EIN 32-0274136	Securities Custodian	$88,908
LETORT MANAGEMENT & TRUST CO.4+ years Service code 15 · EIN 25-1900215	Recordkeeping	$27,946
D. F. DENT & COMPANY, INC.4+ years Filed as: D. F. DENT & CO., INC. Service code 27 · EIN 52-1045317	Advisory (Plan)	$9,462
RKL LLP2 years Service code 10 · EIN 23-2108173	Accounting	$7,280

Plan features & details

Pension benefit codes2A2E2H2J3H

Plan features

2A
Age/service weighted or new comparability plan
Age/service weighted plan where allocations are based on age service or age and service; or new comparability or similar plan where allocations are based on participant classifications consisting entirely or predominantly of highly compensated employees or the plan provides an additional allocation rate on compensation above a specified threshold that exceeds the permitted disparity limits of Code section 401(l).
2E
Profit-sharing
Profit-sharing plan.
2H
Partial participant-directed account plan
Participants have the opportunity to direct the investment of a portion 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.
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

1 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)

Expense breakdown

Schedule H Part II

Admin total

$119K

$641 / participant

Investment mgmt$119K100.0%

% of EOY assets

0.581%

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: RKL, LLP
Auditor EIN: 232108117
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$69,515

$55,449+25.4%

$83,831-17.1%

$56,289+23.5%

Participation rate

99.5%

68.0%+31.5pp

76.1%+23.3pp

69.9%+29.6pp

Annual return

-3.92%

-1.38%-2.5pp

850.99%-854.9pp

-9.96%+6.0pp

Employer contribution / active EE

$4,500

$2,430+85.1%

$3,631+23.9%

$2,111+113.1%

Participant deferral / active EE

$1,946

$2,935-33.7%

$4,082-52.3%

$3,350-41.9%

Admin fee / account holder

$404

$656-38.4%

$5,479-92.6%

$521-22.5%

Provider

Service type

Compensation

GLENEMEDE4+ years

Service code 19 · EIN 32-0274136

Securities Custodian

$88,908

LETORT MANAGEMENT & TRUST CO.4+ years

Service code 15 · EIN 25-1900215

Recordkeeping

$27,946

D. F. DENT & COMPANY, INC.4+ years

Filed as: D. F. DENT & CO., INC.

Service code 27 · EIN 52-1045317

Advisory (Plan)

$9,462

RKL LLP2 years

Service code 10 · EIN 23-2108173

Accounting

$7,280

STEWART & TATE, INC. EMPLOYEES PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

STEWART & TATE, INC. EMPLOYEES PROFIT SHARING 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