Retirement plan

RUTGERS-LIVINGSTON DAY CARE CENTER, INC. 401(K) PROFIT SHARING PLAN AND TRUST

Name: RUTGERS-LIVINGSTON DAY CARE CENTER, INC. - RUTGERS-LIVINGSTON DAY CARE CENTER, INC. 401(K) PROFIT SHARING PLAN AND TRUST (2020) Form 5500
Creator: RUTGERS-LIVINGSTON DAY CARE CENTER, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, RUTGERS-LIVINGSTON DAY CARE CENTER, INC. 401(K) PROFIT SHARING PLAN AND TRUST, RUTGERS-LIVINGSTON DAY CARE CENTER, INC.

RUTGERS-LIVINGSTON DAY CARE CENTER, INC.EIN 23-7416784Plan #001PY 2020

49 JOYCE KILMER AVENUE - PISCATAWAY, NJ 08854732-445-4747rldcc.orgLinkedIn11-50 employeeseducation management

Prospect flagsHigh feesLow assets / participantLow participant contribution

How to read this page

Total assets (EOY)

$429K

+12.6% from 2019

Total participants

+18.8% from 2019

Average account balance

$26,827

+12.6% from 2019

Annual return

10.35%

-6.79 pp from 2019

Benchmarks

See 102,091 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants<25

Cohort102,091 peers

Snapshot2020

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

Analytics

Total assets (EOY)

Plan-year ending balance

$329K

Not enough data

1 years with asset history on file

Average account balance

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

$16K

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.

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.

181.8%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$37K

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

+16.80%

Not enough data

1 years with return on file

Admin fee / account holder

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

$12

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

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 codes2E2F2G2J2T3D

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.
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.

Opportunity flags

3 tripped

OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
OpportunityLow assets / participant
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.

Expense breakdown

Schedule H Part II

Admin total

$28K

$2563 / participant

Other / not subdivided$28K100.0%

% of EOY assets

6.568%

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

$26,827

$209,422-87.2%

$178,503-85.0%

$158,982-83.1%

Participation rate

72.7%

86.4%-13.6pp

81.9%-9.2pp

82.0%-9.2pp

Annual return

10.35%

188.81%-178.5pp

151.12%-140.8pp

302.99%-292.6pp

Employer contribution / active EE

$1,578

$5,707-72.3%

$5,011-68.5%

$4,763-66.9%

Participant deferral / active EE

$1,739

$5,955-70.8%

$5,202-66.6%

$5,983-70.9%

Admin fee / account holder

$1,762

$17,079-89.7%

$13,987-87.4%

$11,252-84.3%

RUTGERS-LIVINGSTON DAY CARE CENTER, INC. 401(K) PROFIT SHARING PLAN AND TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

RUTGERS-LIVINGSTON DAY CARE CENTER, INC. 401(K) PROFIT SHARING PLAN AND 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