Retirement plan

BRECKENRIDGE-WYNKOOP LLC 401K PLAN

Name: BRECKENRIDGE-WYNKOOP LLC - BRECKENRIDGE-WYNKOOP LLC 401K PLAN (2016) Form 5500
Creator: BRECKENRIDGE-WYNKOOP LLC
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, BRECKENRIDGE-WYNKOOP LLC 401K PLAN, BRECKENRIDGE-WYNKOOP LLC

BRECKENRIDGE-WYNKOOP LLCEIN 27-4650355Plan #001PY 2016

2645 EAST 2ND AVE, SUITE 200 - DENVER, CO 80206303-595-3500

Prospect flagsLow returnsHigh feesHigh cashLow participation

How to read this page

Total assets (EOY)

$2.8M

-1.9% from 2015

Total participants

374

-12.4% from 2015

Average account balance

$17,144

+5.8% from 2015

Annual return

4.49%

+4.90 pp from 2015

Benchmarks

See 685 peers

Peer group

Industry72 - Accommodation and Food Services

Plan typeDefined contribution

Participants250-999

Cohort685 peers

Snapshot2016

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

Analytics

Total assets (EOY)

Plan-year ending balance

$3.81M

Not enough data

1 years with asset history on file

Average account balance

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

$42K

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.

9.1%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$251K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$474

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

+13.60%

Not enough data

1 years with return on file

Admin fee / account holder

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

$5765

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

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Service providers

Top 6 by compensation

Provider	Service type	Compensation
NATIONWIDE2+ years Service code 15 · EIN 31-4156830 ONE NATIONWIDE PLAZA · COLUMBUS, OH 43215	Recordkeeping	$41,470
LEGACY BENEFIT SERVICES2+ years Filed as: LEGACY BENEFIT SERVICES, LLC Service code 13 · EIN 71-0948945 5670 GREENWOOOD PLAZA BLVD. · GREENWOOD VILLAGE, CO 80111	Contract Administrator	$11,390
GHP HORWATH PC2+ years Service code 10 · EIN 84-1156277 1801 CALIFORNIA ST · DENVER, CO 80202	Accounting	$6,899
KESTRA INVESTMENT SERVICES LLC1 year Filed as: KESTRA INVESTMENT SERVICES, LLC Service code 13 1250 CAPITAL OF TEXAS, HIGHWAY S · AUSTIN, TX 78746	Contract Administrator	$0
NFP RETIREMENT INC1 year Filed as: NFP ADVISOR SERVICES LLC Service code 13 1250 CAPITAL OF TEXAS HIGHWAY S · AUSTIN, TX 78746	Contract Administrator	$0
NFP RETIREMENT INC2+ years Filed as: NFP INSURANCE SERVICES, INC Service code 13 1250 CAPITAL OF TEXAS, HWY S · AUSTIN, TX 78746	Contract Administrator	$0

Plan features & details

Pension benefit codes3H2E2F2G2J2K3D

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.
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.
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.
OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
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

$68K

$244 / participant

Investment mgmt$8K12.0%
Contract admin$60K88.0%

% of EOY assets

2.388%

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: CROWE HORWATH LLP
Auditor EIN: 350921680
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$17,144

$23,385-26.7%

$69,182-75.2%

$57,658-70.3%

Participation rate

25.4%

37.9%-12.5pp

55.1%-29.7pp

70.2%-44.8pp

Annual return

4.49%

-659.34%+663.8pp

-21.93%+26.4pp

5.13%-0.6pp

Employer contribution / active EE

$163

$422-61.5%

$1,206-86.5%

$1,974-91.8%

Participant deferral / active EE

$578

$843-31.4%

$1,897-69.5%

$3,061-81.1%

Admin fee / account holder

$409

$82+398.4%

$2,697-84.8%

$95+333.0%

Provider

Service type

Compensation

NATIONWIDE2+ years

Service code 15 · EIN 31-4156830

ONE NATIONWIDE PLAZA · COLUMBUS, OH 43215

Recordkeeping

$41,470

LEGACY BENEFIT SERVICES2+ years

Filed as: LEGACY BENEFIT SERVICES, LLC

Service code 13 · EIN 71-0948945

5670 GREENWOOOD PLAZA BLVD. · GREENWOOD VILLAGE, CO 80111

Contract Administrator

$11,390

GHP HORWATH PC2+ years

Service code 10 · EIN 84-1156277

1801 CALIFORNIA ST · DENVER, CO 80202

Accounting

$6,899

KESTRA INVESTMENT SERVICES LLC1 year

Filed as: KESTRA INVESTMENT SERVICES, LLC

Service code 13

1250 CAPITAL OF TEXAS, HIGHWAY S · AUSTIN, TX 78746

Contract Administrator

NFP RETIREMENT INC1 year

Filed as: NFP ADVISOR SERVICES LLC

Service code 13

1250 CAPITAL OF TEXAS HIGHWAY S · AUSTIN, TX 78746

Contract Administrator

NFP RETIREMENT INC2+ years

Filed as: NFP INSURANCE SERVICES, INC

Service code 13

1250 CAPITAL OF TEXAS, HWY S · AUSTIN, TX 78746

Contract Administrator

BRECKENRIDGE-WYNKOOP LLC 401K PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

BRECKENRIDGE-WYNKOOP LLC 401K 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