Retirement plan

EASTERN WASHINGTON-NORTHERN IDAHO CARPENTERS 401(K) RETIREMENT PLAN

Name: EASTERN WASHINGTON-NORTHERN IDAHO - EASTERN WASHINGTON-NORTHERN IDAHO CARPENTERS 401(K) RETIREMENT PLAN (2017) Form 5500
Creator: EASTERN WASHINGTON-NORTHERN IDAHO
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, EASTERN WASHINGTON-NORTHERN IDAHO CARPENTERS 401(K) RETIREMENT PLAN, EASTERN WASHINGTON-NORTHERN IDAHO

EASTERN WASHINGTON-NORTHERN IDAHOEIN 26-0031956Plan #001PY 2017

111 W. CATALDO, SUITE 220 - SPOKANE, WA 99201509-321-0523ewaidsynod.orgLinkedIn1-10 employeesreligious institutions

Prospect flagsLow assets / participantLow participant contribution

How to read this page

Total assets (EOY)

$20.3M

+49.2% from 2016

Total participants

3,569

+17.2% from 2016

Average account balance

$5,679

+27.4% from 2016

Annual return

14.22%

+1.99 pp from 2016

Benchmarks

See 390 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants1,000-4,999

Cohort390 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$53.33M

Not enough data

1 years with asset history on file

Average account balance

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

$11K

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.

4,658

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.

67.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$3.76M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$748

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

+13.27%

Not enough data

1 years with return on file

Admin fee / account holder

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

$72

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
ZENITH AMERICAN SOLUTIONS3+ years Filed as: ZENITH AMERICAN Service code 15 · EIN 52-1590516	Recordkeeping	$115,394
ALERUS FINANCIAL, N.A.3+ years Service code 15 · EIN 45-6062081	Recordkeeping	$43,973

Plan features & details

Pension benefit codes2E2F2G2J2T

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.

Opportunity flags

2 tripped

OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
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

$142K

$41 / participant

Investment mgmt$152K107.2%

% of EOY assets

0.701%

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: ANASTASI, MOORE, & MARTIN PLLC
Auditor EIN: 208149084
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$5,679

$221,442-97.4%

$92,239-93.8%

$77,958-92.7%

Participation rate

99.9%

79.6%+20.3pp

76.5%+23.5pp

71.6%+28.3pp

Annual return

14.22%

15.65%-1.4pp

176.29%-162.1pp

20.87%-6.6pp

Employer contribution / active EE

$1,220

$3,226-62.2%

$3,680-66.8%

$2,310-47.2%

Participant deferral / active EE

$308

$2,779-88.9%

$3,897-92.1%

$3,537-91.3%

Admin fee / account holder

$40

$210-81.0%

$5,194-99.2%

$97-59.1%

Provider

Service type

Compensation

ZENITH AMERICAN SOLUTIONS3+ years

Filed as: ZENITH AMERICAN

Service code 15 · EIN 52-1590516

Recordkeeping

$115,394

ALERUS FINANCIAL, N.A.3+ years

Service code 15 · EIN 45-6062081

Recordkeeping

$43,973

EASTERN WASHINGTON-NORTHERN IDAHO CARPENTERS 401(K) RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

EASTERN WASHINGTON-NORTHERN IDAHO CARPENTERS 401(K) RETIREMENT 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