Retirement plan

THE STEWARDSHIP COMPANY 401(K) PLAN

Name: THE SANTA LUCIA PRESERVE CO. - THE STEWARDSHIP COMPANY 401(K) PLAN (2016) Form 5500
Creator: THE SANTA LUCIA PRESERVE CO.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, THE STEWARDSHIP COMPANY 401(K) PLAN, THE SANTA LUCIA PRESERVE CO.

THE SANTA LUCIA PRESERVE CO.EIN 26-1261408Plan #001PY 2016

61 RANCHO SAN CARLOS ROAD - CARMEL, CA 93923831-620-6700santaluciapreserve.comLinkedIn201-500 employeeshospitality

Prospect flagsHigh cashLow participation

How to read this page

Total assets (EOY)

$5.9M

+11.5% from 2015

Total participants

165

+9.3% from 2015

Average account balance

$68,246

+1.3% from 2015

Annual return

10.57%

+9.53 pp from 2015

Benchmarks

See 896 peers

Peer group

Industry53 - Real Estate and Rental and Leasing

Plan typeDefined contribution

Participants100-249

Cohort896 peers

Snapshot2016

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

Analytics

Total assets (EOY)

Plan-year ending balance

$8.39M

Not enough data

1 years with asset history on file

Average account balance

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

$58K

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.

145

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.

56.9%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$990K

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

+11.68%

Not enough data

1 years with return on file

Admin fee / account holder

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

$325

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 3 by compensation

Provider	Service type	Compensation
PENSION DYNAMICS COMPANY LLC2+ years Service code 15 · EIN 94-2692944 2300 CONTRA COSTA BLVD SUITE 400 · PLEASANT HILL, CA 94523	Recordkeeping	$11,419
PENSION DYNAMICS SECURITIES CORP1 year Filed as: PENSION DYNAMICS SECURITIES CORP. Service code 33 · EIN 68-0440732 2300 CONTRA COSTA BLVD., SUITE 400 · PLEASANT HILL, CA 94523	Securities brokerage	$0
WELLS FARGO BANK, N.A.2+ years Service code 19 · EIN 94-1347393 1525 WEST WT HARRIS BLVD., 3C5 · CHARLOTTE, NC 28288	Securities Custodian	$0

Plan features & details

Pension benefit codes2A2E2F2G2J2T3D

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).
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

2 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityHigh cash
More than 10% of assets are held in cash - possible menu-design or default-fund problem.

Expense breakdown

Schedule H Part II

Admin total

$11K

$83 / participant

Contract admin$11K100.0%

% of EOY assets

0.192%

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: ELSENER & ELSENER, LLP
Auditor EIN: 680038828
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$68,246

$50,898+34.1%

$171,082-60.1%

$55,167+23.7%

Participation rate

43.1%

63.3%-20.2pp

76.7%-33.6pp

69.0%-25.9pp

Annual return

10.57%

15.34%-4.8pp

32.56%-22.0pp

169.23%-158.7pp

Employer contribution / active EE

$1,240

$1,433-13.5%

$4,002-69.0%

$1,963-36.8%

Participant deferral / active EE

$2,051

$2,994-31.5%

$4,797-57.3%

$3,054-32.9%

Admin fee / account holder

$131

$500-73.7%

$8,520-98.5%

$504-74.0%

Provider

Service type

Compensation

PENSION DYNAMICS COMPANY LLC2+ years

Service code 15 · EIN 94-2692944

2300 CONTRA COSTA BLVD SUITE 400 · PLEASANT HILL, CA 94523

Recordkeeping

$11,419

PENSION DYNAMICS SECURITIES CORP1 year

Filed as: PENSION DYNAMICS SECURITIES CORP.

Service code 33 · EIN 68-0440732

2300 CONTRA COSTA BLVD., SUITE 400 · PLEASANT HILL, CA 94523

Securities brokerage

WELLS FARGO BANK, N.A.2+ years

Service code 19 · EIN 94-1347393

1525 WEST WT HARRIS BLVD., 3C5 · CHARLOTTE, NC 28288

Securities Custodian

THE STEWARDSHIP COMPANY 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

THE STEWARDSHIP COMPANY 401(K) 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