Retirement plan

THE ROSADO GROUP 401K PLAN

Name: THE ROSADO GROUP - THE ROSADO GROUP 401K PLAN (2018) Form 5500
Creator: THE ROSADO GROUP
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, THE ROSADO GROUP 401K PLAN, THE ROSADO GROUP

THE ROSADO GROUPEIN 23-2575176Plan #001PY 2018

500 ROUTES 6 AND 209, PO BOX M - MILFORD, PA 18337570-677-0073therosadogroup.comLinkedIn201-500 employees

Prospect flagsLow returnsCorrective distributions

How to read this page

Total assets (EOY)

$3M

-1.8% from 2017

Total participants

164

+13.9% from 2017

Average account balance

$21,229

-6.7% from 2017

Annual return

-8.56%

-22.92 pp from 2017

Benchmarks

See 2,219 peers

Peer group

Industry44 - Retail Trade

Plan typeDefined contribution

Participants100-249

Cohort2,219 peers

Snapshot2018

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

Analytics

Total assets (EOY)

Plan-year ending balance

$6.74M

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.

147

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.

78.1%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$560K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$5K

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

+15.11%

Not enough data

1 years with return on file

Admin fee / account holder

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

$40

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 4 by compensation

Provider	Service type	Compensation
AVRACH & TAYLOR PC1 year Service code 15 · EIN 23-2847782	Recordkeeping	$24,982
MERRILL LYNCH PIERCE FENNER & SMITH3 years Service code 52 · EIN 13-5674085	Indirect Investment Fees	$17,517
ADP BROKER-DEALER4+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745	Recordkeeping	$6,257
ADP BROKER-DEALER4+ years Service code 49 · EIN 22-3319984	Other Services	$0

Plan features & details

Pension benefit codes2E2F2G2J2S2T3D3H

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.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
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

2 tripped

OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$31K

$260 / participant

Other / not subdivided$31K100.0%

% of EOY assets

1.051%

all-in expense ratio

Categories reported

0 / 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: AVRACH & TAYLOR PC
Auditor EIN: 232847782
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$21,229

$42,548-50.1%

$74,551-71.5%

$56,289-62.3%

Participation rate

80.0%

60.5%+19.5pp

69.1%+10.9pp

69.9%+10.1pp

Annual return

-8.56%

12.40%-21.0pp

32.53%-41.1pp

-9.96%+1.4pp

Employer contribution / active EE

$855-100.0%

$1,961-100.0%

$2,111-100.0%

Participant deferral / active EE

$3,141

$2,277+37.9%

$3,108+1.1%

$3,350-6.2%

Admin fee / account holder

$223

$467-52.2%

$5,059-95.6%

$521-57.2%

Provider

Service type

Compensation

AVRACH & TAYLOR PC1 year

Service code 15 · EIN 23-2847782

Recordkeeping

$24,982

MERRILL LYNCH PIERCE FENNER & SMITH3 years

Service code 52 · EIN 13-5674085

Indirect Investment Fees

$17,517

ADP BROKER-DEALER4+ years

Filed as: ADP, LLC

Service code 15 · EIN 13-3036745

Recordkeeping

$6,257

ADP BROKER-DEALER4+ years

Service code 49 · EIN 22-3319984

Other Services

THE ROSADO GROUP 401K PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

THE ROSADO GROUP 401K 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