Retirement plan

VCA CONSULTANTS, INC. 401(K) PLAN

Name: VCA CONSULTANTS, INC. - VCA CONSULTANTS, INC. 401(K) PLAN (2024) Form 5500
Creator: VCA CONSULTANTS, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, VCA CONSULTANTS, INC. 401(K) PLAN, VCA CONSULTANTS, INC.

VCA CONSULTANTS, INC.EIN 27-5244933Plan #001PY 2024

1845 W. ORANGEWOOD AVE, SUITE 200 - ORANGE, CA 928681853714-978-9780LinkedIn51-200 employeescivil engineering

Prospect flagsHigh feesLow participation

How to read this page

Total assets (EOY)

$17.6M

+6.5% from 2023

Total participants

196

-1.5% from 2023

Average account balance

$125,933

+11.0% from 2023

Annual return

14.07%

-8.20 pp from 2023

Benchmarks

See 6,280 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants100-249

Cohort6,280 peers

Snapshot2024

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

Analytics

Total assets (EOY)

Plan-year ending balance

$17.63M

Not enough data

1 years with asset history on file

Average account balance

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

$126K

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.

140

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.

55.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$845K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$7K

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

+14.07%

Not enough data

1 years with return on file

Admin fee / account holder

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

$444

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 6 by compensation

Provider	Service type	Compensation
MATTHEW COLLINS2 years Filed as: MATTHEW A. BRADLEY DBA RBA Service code 27 WEALTH MANAGEMENT LLC · NEWPORT BEACH, CA 92660	Advisory (Plan)	$2,290,235
SECURED RETIREMENT ADMINISTRATORS1 year Filed as: SECURED RETIREMENT ADMINISTRATORS,I Service code 13 · EIN 95-3671020 275 N. BREA BOULEVARD · BREA, CA 92821	Contract Administrator	$17,100
AMERICAN FUNDS1 year Filed as: CAPITAL GROUP RETIREMENT PLAN SERVI Service code 64 · EIN 82-4555287 6455 IRVIVE CENTER DRIVE · IRVINE, CA 92618	Recordkeeping Fees	$15,149
DAVID L. BUCK, CPA7 years Service code 10 · EIN 75-2988353 3811 SHAEFER AVENUE, SUITE L · CHINO, CA 91710	Accounting	$7,006
DAVID L. BUCK, CPA4 years Filed as: DAVID L. BUCK CPA Service code 10 · EIN 75-2988353 3425 SUMMERSET CIRCLE · COSTA MESA, CA 92626	Accounting	$0
SECURED RETIREMENT ADMINISTRATORS8 years Service code 13 · EIN 95-3671020 INC. · BREA, CA 928214037	Contract Administrator	$0

Plan features & details

Pension benefit codes2E2G2J2K2T3D

Plan features

2E
Profit-sharing
Profit-sharing plan.
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.
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 fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)

Expense breakdown

Schedule H Part II

Admin total

$62K

$497 / participant

Trustee / custodial$62K100.0%

% of EOY assets

0.353%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: DAVID L. BUCK, CPA
Auditor EIN: 752988353
Audit fees: $0
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$125,933

$101,653+23.9%

$147,080-14.4%

$74,459+69.1%

Participation rate

55.2%

75.6%-20.4pp

82.2%-27.0pp

67.2%-12.0pp

Annual return

14.07%

8754.98%-8740.9pp

420.17%-406.1pp

1369.70%-1355.6pp

Employer contribution / active EE

$1,594

$3,813-58.2%

$4,933-67.7%

$2,626-39.3%

Participant deferral / active EE

$5,169

$7,304-29.2%

$8,066-35.9%

$4,350+18.8%

Admin fee / account holder

$444

$1,752-74.7%

$12,989-96.6%

$1,945-77.2%

Provider

Service type

Compensation

MATTHEW COLLINS2 years

Filed as: MATTHEW A. BRADLEY DBA RBA

Service code 27

WEALTH MANAGEMENT LLC · NEWPORT BEACH, CA 92660

Advisory (Plan)

$2,290,235

SECURED RETIREMENT ADMINISTRATORS1 year

Filed as: SECURED RETIREMENT ADMINISTRATORS,I

Service code 13 · EIN 95-3671020

275 N. BREA BOULEVARD · BREA, CA 92821

Contract Administrator

$17,100

AMERICAN FUNDS1 year

Filed as: CAPITAL GROUP RETIREMENT PLAN SERVI

Service code 64 · EIN 82-4555287

6455 IRVIVE CENTER DRIVE · IRVINE, CA 92618

Recordkeeping Fees

$15,149

DAVID L. BUCK, CPA7 years

Service code 10 · EIN 75-2988353

3811 SHAEFER AVENUE, SUITE L · CHINO, CA 91710

Accounting

$7,006

DAVID L. BUCK, CPA4 years

Filed as: DAVID L. BUCK CPA

Service code 10 · EIN 75-2988353

3425 SUMMERSET CIRCLE · COSTA MESA, CA 92626

Accounting

SECURED RETIREMENT ADMINISTRATORS8 years

Service code 13 · EIN 95-3671020

INC. · BREA, CA 928214037

Contract Administrator

VCA CONSULTANTS, INC. 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

VCA CONSULTANTS, INC. 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