Retirement plan

ECIGROUP EMPLOYEE STOCK OWNERSHIP PLAN

Name: ECIGROUP - ECIGROUP EMPLOYEE STOCK OWNERSHIP PLAN (2018) Form 5500
Creator: ECIGROUP
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, ECIGROUP EMPLOYEE STOCK OWNERSHIP PLAN, ECIGROUP

ECIGROUPEIN 25-1677700Plan #004PY 2018

124 WEST CHURCH STREET - DILLSBURG, PA 17019717-638-2000ecigroup.usLinkedIn201-500 employeesconstruction

Other plans on this EIN

1 filing

#001Retirement-$17.3M assets

Prospect flagsHigh cashLow assets / participant

How to read this page

Total assets (EOY)

$1.8M

+11.9% from 2017

Total participants

218

+6.3% from 2017

Average account balance

$8,299

+5.7% from 2017

Annual return

-4.55%

+26.56 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

$5.82M

Not enough data

1 years with asset history on file

Average account balance

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

$23K

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.

258

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.

92.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$715K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$4K

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

+9.88%

Not enough data

1 years with return on file

Admin fee / account holder

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

$318

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 2 by compensation

Provider	Service type	Compensation
CONRAD SIEGEL1 year Service code 15 · EIN 23-1669823	Recordkeeping	$13,900
MARTIN M SACKS & ASSOCIATES3 years Filed as: MARTIN M. SACKS & ASSOCIATES Service code 10 · EIN 23-1979781	Accounting	$7,478

Plan features & details

Pension benefit codes2A2P2Q3I

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).
2P
Leveraged ESOP
Employee stock ownership plan that acquires employer securities with borrowed money or other debt-financing techniques.
2Q
ESOP maintained by an S corporation
The employer maintaining this ESOP is an S corporation.
3I
Employer securities investment required
Plan requiring that all or part of employer contributions be invested and held at least for a limited period in employer securities.

Opportunity flags

2 tripped

OpportunityHigh cash
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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

$21K

$119 / participant

Other / not subdivided$21K100.0%

% of EOY assets

1.192%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: MARTIN M. SACKS & ASSOCIATES
Auditor EIN: 231979781
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$8,299

$55,449-85.0%

$83,831-90.1%

$56,289-85.3%

Participation rate

99.4%

68.0%+31.4pp

76.1%+23.3pp

69.9%+29.6pp

Annual return

-4.55%

-1.38%-3.2pp

850.99%-855.5pp

-9.96%+5.4pp

Employer contribution / active EE

$1,474

$2,430-39.4%

$3,631-59.4%

$2,111-30.2%

Participant deferral / active EE

$2,935-100.0%

$4,082-100.0%

$3,350-100.0%

Admin fee / account holder

$99

$656-84.9%

$5,479-98.2%

$521-81.0%

Provider

Service type

Compensation

CONRAD SIEGEL1 year

Service code 15 · EIN 23-1669823

Recordkeeping

$13,900

MARTIN M SACKS & ASSOCIATES3 years

Filed as: MARTIN M. SACKS & ASSOCIATES

Service code 10 · EIN 23-1979781

Accounting

$7,478

ECIGROUP EMPLOYEE STOCK OWNERSHIP PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

ECIGROUP EMPLOYEE STOCK OWNERSHIP 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