Retirement plan

PUBLIC CITIZEN, INC. EMPLOYEES SAVINGS TRUST

Name: PUBLIC CITIZEN, INC. - PUBLIC CITIZEN, INC. EMPLOYEES SAVINGS TRUST (2016) Form 5500
Creator: PUBLIC CITIZEN, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, PUBLIC CITIZEN, INC. EMPLOYEES SAVINGS TRUST, PUBLIC CITIZEN, INC.

PUBLIC CITIZEN, INC.EIN 23-7104508Plan #001PY 2016

1600 20TH ST. NW - WASHINGTON, DC 20009202-588-1000citizen.orgLinkedIn51-200 employeespublic policy

Prospect flagsHigh feesLow fidelity bond

How to read this page

Total assets (EOY)

$4.2M

+21.2% from 2015

Total participants

105

-0.9% from 2015

Average account balance

$46,279

+27.8% from 2015

Annual return

13.07%

+15.62 pp from 2015

Benchmarks

See 107 peers

Peer group

Industry92 - Public Administration

Plan typeDefined contribution

Participants25-99

Cohort107 peers

Snapshot2016

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

Analytics

Total assets (EOY)

Plan-year ending balance

$19.05M

Not enough data

1 years with asset history on file

Average account balance

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

$129K

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.

148

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.

82.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.40M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$13K

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

+28.85%

Not enough data

1 years with return on file

Admin fee / account holder

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

$25

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

Providers data not reported

Schedule C was not filed on this plan's most recent Form 5500, so no compensated service providers are available to display.

Plan features & details

Pension benefit codes2E2F2G2J3D3H

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.
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

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
ComplianceLow fidelity bond
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).

Expense breakdown

Schedule H Part II

Admin total

$223K

$2752 / participant

Other / not subdivided$223K100.0%

% of EOY assets

5.293%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

No opinion code on file for this filing.

Auditor firm: (not reported)
Auditor EIN: -
Audit fees: (not subdivided)
Opinion code: -

Metric

This plan

Peer set

Industry

Size

Avg account balance

$46,279

$39,534+17.1%

$46,225+0.1%

$62,881-26.4%

Participation rate

82.7%

74.6%+8.2pp

79.5%+3.2pp

69.3%+13.4pp

Annual return

13.07%

8.93%+4.1pp

7.57%+5.5pp

20.14%-7.1pp

Employer contribution / active EE

$1,865

$2,646-29.5%

$3,424-45.5%

$2,281-18.2%

Participant deferral / active EE

$4,368

$2,681+62.9%

$3,776+15.7%

$3,203+36.4%

Admin fee / account holder

$2,449

$2,464-0.6%

$3,519-30.4%

$4,296-43.0%

PUBLIC CITIZEN, INC. EMPLOYEES SAVINGS TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

PUBLIC CITIZEN, INC. EMPLOYEES SAVINGS TRUST

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