Retirement plan

ALLIED UNIVERSAL 401(K) PLAN

Name: UNIVERSAL SERVICES OF AMERICA - ALLIED UNIVERSAL 401(K) PLAN (2017) Form 5500
Creator: UNIVERSAL SERVICES OF AMERICA
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, ALLIED UNIVERSAL 401(K) PLAN, UNIVERSAL SERVICES OF AMERICA

UNIVERSAL SERVICES OF AMERICAEIN 27-1562945Plan #001PY 2017

1551 N. TUSTIN AVE., SUITE 650 - SANTA ANA, CA 92705714-619-9700universalpro.comLinkedIn10001+ employeessecurity and investigations

Other plans on this EIN

1 filing

#002Retirement-$1.6M assets

Prospect flagsLow participationLow employer contributionLow participant contributionCorrective distributions

How to read this page

Total assets (EOY)

$176.2M

+197.7% from 2016

Total participants

125,242

-44.5% from 2016

Average account balance

$16,156

+2.1% from 2016

Annual return

204.80%

-83.67 pp from 2016

Benchmarks

See 38 peers

Peer group

Industry56 - Administrative and Support and Waste Management and Remediation Services

Plan typeDefined contribution

Participants>=10,000

Cohort38 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$497.90M

Not enough data

1 years with asset history on file

Average account balance

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

$19K

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.

26,205

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.

9.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$70.09M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$281

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

+45.23%

Not enough data

1 years with return on file

Admin fee / account holder

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

$92

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

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Service providers

Top 10 of 18 by compensation

Provider	Service type	Compensation
MASSACHUSETTS MUTUAL LIFE INS. CO.3+ years Service code 52 · EIN 04-1590850	Indirect Investment Fees	$342,312
PARADIGM DIGITAL COLOR GRAPHICS1 year Service code 50 · EIN 23-2882710	Direct Payment	$137,555
SAGEVIEW ADVISORY GROUP, LLC2 years Service code 27 · EIN 33-0818667	Advisory (Plan)	$67,240
ERNST & YOUNG LLP1 year Filed as: ERNST & YOUNG, LLP Service code 50 · EIN 34-6565596	Direct Payment	$40,000
KSJG, LLP1 year Filed as: KUSHNER SMITH JOANOU & GREGSON, LLP Service code 50 · EIN 95-3322166	Direct Payment	$10,000
AMERICAN CENTURY1 year Service code 52 · EIN 44-6006315	Indirect Investment Fees	$0
AMERICAN FUNDS1 year Service code 52 · EIN 95-2482877	Indirect Investment Fees	$0
FRANKLIN TEMPLETON1 year Filed as: FRANKLINTEMPLETON Service code 52 · EIN 13-3151768	Indirect Investment Fees	$0
IVY FUNDS1 year Service code 52 · EIN 48-1112076	Indirect Investment Fees	$0
MORGAN STANLEY SMITH BARNEY1 year Filed as: JP MORGAN Service code 52 · EIN 04-3400483	Indirect Investment Fees	$0

Plan features & details

Pension benefit codes2E2J2F2G2K3B3D3H2T3F

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.
2K
Code section 401(m) arrangement
Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
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.
3B
Plan covering self-employed individuals
Plan covering self-employed individuals.
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.
3F
Leased employees
Plan sponsor(s) received services of leased employees as defined in Code section 414(n) during the plan year.
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

4 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
OpportunityLow employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$597K

$5 / participant

Investment mgmt$337K56.4%
Contract admin$70K11.7%
Other / not subdivided$190K31.9%

% of EOY assets

0.339%

all-in expense ratio

Categories reported

2 / 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: KSJG, LLP
Auditor EIN: 953322166
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$16,156

$29,988-46.1%

$81,473-80.2%

$80,976-80.0%

Participation rate

7.8%

32.0%-24.2pp

68.0%-60.1pp

68.3%-60.4pp

Annual return

204.80%

51.73%+153.1pp

38.78%+166.0pp

22.91%+181.9pp

Employer contribution / active EE

$33

$470-93.0%

$2,568-98.7%

$2,402-98.6%

Participant deferral / active EE

$155

$1,209-87.2%

$3,537-95.6%

$3,848-96.0%

Admin fee / account holder

$55

$63-12.8%

$4,561-98.8%

$67-18.8%

Provider

Service type

Compensation

MASSACHUSETTS MUTUAL LIFE INS. CO.3+ years

Service code 52 · EIN 04-1590850

Indirect Investment Fees

$342,312

PARADIGM DIGITAL COLOR GRAPHICS1 year

Service code 50 · EIN 23-2882710

Direct Payment

$137,555

SAGEVIEW ADVISORY GROUP, LLC2 years

Service code 27 · EIN 33-0818667

Advisory (Plan)

$67,240

ERNST & YOUNG LLP1 year

Filed as: ERNST & YOUNG, LLP

Service code 50 · EIN 34-6565596

Direct Payment

$40,000

KSJG, LLP1 year

Filed as: KUSHNER SMITH JOANOU & GREGSON, LLP

Service code 50 · EIN 95-3322166

Direct Payment

$10,000

AMERICAN CENTURY1 year

Service code 52 · EIN 44-6006315

Indirect Investment Fees

AMERICAN FUNDS1 year

Service code 52 · EIN 95-2482877

Indirect Investment Fees

FRANKLIN TEMPLETON1 year

Filed as: FRANKLINTEMPLETON

Service code 52 · EIN 13-3151768

Indirect Investment Fees

IVY FUNDS1 year

Service code 52 · EIN 48-1112076

Indirect Investment Fees

MORGAN STANLEY SMITH BARNEY1 year

Filed as: JP MORGAN

Service code 52 · EIN 04-3400483

Indirect Investment Fees

ALLIED UNIVERSAL 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

ALLIED UNIVERSAL 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