Retirement plan

NAPA MONTANA 401(K)

Name: POISON CREEK INC. DBA NAPA AUTO PAR - NAPA MONTANA 401(K) (2023) Form 5500
Creator: POISON CREEK INC. DBA NAPA AUTO PAR
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, NAPA MONTANA 401(K), POISON CREEK INC. DBA NAPA AUTO PAR

POISON CREEK INC. DBA NAPA AUTO PAREIN 27-4861540Plan #001PY 2023

1165 N 14TH. ST. SUITE 4 - BOZEMAN, MT 59718406-690-8807

Prospect flagsHigh feesLow assets / participantRecently reached 100 employees

How to read this page

Total assets (EOY)

$1.3M

+25.8% from 2022

Total participants

115

+59.7% from 2022

Average account balance

$13,298

-10.7% from 2022

Annual return

20.22%

-654.48 pp from 2022

Benchmarks

See 2,285 peers

Peer group

Industry44 - Retail Trade

Plan typeDefined contribution

Participants100-249

Cohort2,285 peers

Snapshot2023

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

Analytics

Total assets (EOY)

Plan-year ending balance

$1.93M

Not enough data

1 years with asset history on file

Average account balance

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

$17K

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.

116

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.

98.3%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$453K

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

+13.38%

Not enough data

1 years with return on file

Admin fee / account holder

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

$242

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

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

Service providers

Providers data not reported

Schedule C was not filed on this plan's most recent Form 5500, so no compensated service providers are available to display.

Plan features & details

Pension benefit codes2E2F2G2J3D

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.
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

3 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
OpportunityLow assets / participant
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
InformationalRecently reached 100 employees
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.

Expense breakdown

Schedule H Part II

Admin total

$315K

$2741 / participant

Other / not subdivided$315K100.0%

% of EOY assets

23.702%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

No opinion code on file for this filing.

Auditor firm: (not reported)
Auditor EIN: -
Audit fees: (not subdivided)
Opinion code: -

Metric

This plan

Peer set

Industry

Size

Avg account balance

$13,298

$54,717-75.7%

$86,216-84.6%

$71,511-81.4%

Participation rate

87.0%

60.1%+26.9pp

69.0%+18.0pp

67.9%+19.0pp

Annual return

20.22%

20.07%+0.2pp

1169.42%-1149.2pp

28.86%-8.6pp

Employer contribution / active EE

$1,176

$1,267-7.2%

$2,382-50.6%

$2,589-54.6%

Participant deferral / active EE

$2,072

$3,110-33.4%

$3,986-48.0%

$4,291-51.7%

Admin fee / account holder

$3,152

$1,922+64.0%

$6,853-54.0%

$1,588+98.4%

NAPA MONTANA 401(K)

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

NAPA MONTANA 401(K)

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