Retirement plan

SPRING GROVE CEMETERY AND ARBORETUM 401(K) PROFIT SHARING PLAN

Name: SPRING GROVE CEMETERY AND ARBORETUM - SPRING GROVE CEMETERY AND ARBORETUM 401(K) PROFIT SHARING PLAN (2019) Form 5500
Creator: SPRING GROVE CEMETERY AND ARBORETUM
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, SPRING GROVE CEMETERY AND ARBORETUM 401(K) PROFIT SHARING PLAN, SPRING GROVE CEMETERY AND ARBORETUM

SPRING GROVE CEMETERY AND ARBORETUMEIN 31-0235950Plan #003PY 2019

4521 SPRING GROVE AVENUE - CINCINNATI, OH 45232513-681-7526springgrove.orgLinkedIn201-500 employeesconsumer services

Prospect flagsHigh feesCorrective distributions

Top hat statement on fileNQDC

Filed August 14, 2009 (most recent of 2 filings on file)

This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.

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Total assets (EOY)

$10.7M

+25.6% from 2018

Total participants

177

+18.0% from 2018

Average account balance

$66,057

+9.3% from 2018

Annual return

23.70%

+29.27 pp from 2018

Benchmarks

See 1,705 peers

Peer group

Industry81 - Other Services (except Public Administration)

Plan typeDefined contribution

Participants100-249

Cohort1,705 peers

Snapshot2019

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Analytics

Total assets (EOY)

Plan-year ending balance

$16.63M

Not enough data

1 years with asset history on file

Average account balance

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

$82K

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.

202

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.

98.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.63M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$11K

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

+12.21%

Not enough data

1 years with return on file

Admin fee / account holder

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

$361

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 6 by compensation

Provider	Service type	Compensation
GREAT-WEST LIFE & ANNUITY INSURANCE1 year Filed as: EDWARD D JONES & COMPANY Service code 27 · EIN 43-0345811	Advisory (Plan)	$14,541
TRANSAMERICA RETIREMENT SOLUTIONS1 year Filed as: TRANSAMERICA LIFE INSURANCE CO Service code 15 · EIN 39-0989781	Recordkeeping	$9,874
EDWARD JONES3 years Filed as: EDWARD D JONES AND CO Service code 26 · EIN 43-0345811	Advisory (Participants)	$6,824
AMERICAN UNITED LIFE INSURANCE CO5+ years Service code 15 · EIN 35-0145825	Recordkeeping	$2,457
MESIROW FINANCIAL INVESTMENT MANAGE1 year Filed as: MESIROW FINANCIAL, INC. Service code 27 · EIN 36-3194849	Advisory (Plan)	$1,320
M2B RETIREMENT CONSULTING LLC1 year Filed as: M2B RETIREMENT CONSULTING, LLC Service code 15 · EIN 81-3989034	Recordkeeping	$475

Plan features & details

Pension benefit codes2E2J2K2F2G3D3H2T2S

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.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
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.
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

2 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$51K

$343 / participant

Investment mgmt$51K100.0%

% of EOY assets

0.474%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Disclaimer opinion

The auditor declined to give an opinion. This is usually a 103(a)(3)(C) limited-scope election.

Auditor firm: MELLOTT & MELLOTT PLL
Auditor EIN: 316063298
Audit fees: (not subdivided)
Opinion code: Disclaimer

Look up a plan sponsor by EIN. Free Form 5500 search. No signup.

Metric

This plan

Peer set

Industry

Size

Avg account balance

$66,057

$51,620+28.0%

$90,281-26.8%

$65,185+1.3%

Participation rate

89.9%

68.6%+21.2pp

73.3%+16.6pp

70.2%+19.7pp

Annual return

23.70%

24.94%-1.2pp

78.10%-54.4pp

29.38%-5.7pp

Employer contribution / active EE

$4,662

$2,235+108.6%

$2,854+63.3%

$2,177+114.2%

Participant deferral / active EE

$3,429

$2,871+19.5%

$3,885-11.7%

$3,514-2.4%

Admin fee / account holder

$313

$384-18.5%

$5,351-94.1%

$847-63.0%

Provider

Service type

Compensation

GREAT-WEST LIFE & ANNUITY INSURANCE1 year

Filed as: EDWARD D JONES & COMPANY

Service code 27 · EIN 43-0345811

Advisory (Plan)

$14,541

TRANSAMERICA RETIREMENT SOLUTIONS1 year

Filed as: TRANSAMERICA LIFE INSURANCE CO

Service code 15 · EIN 39-0989781

Recordkeeping

$9,874

EDWARD JONES3 years

Filed as: EDWARD D JONES AND CO

Service code 26 · EIN 43-0345811

Advisory (Participants)

$6,824

AMERICAN UNITED LIFE INSURANCE CO5+ years

Service code 15 · EIN 35-0145825

Recordkeeping

$2,457

MESIROW FINANCIAL INVESTMENT MANAGE1 year

Filed as: MESIROW FINANCIAL, INC.

Service code 27 · EIN 36-3194849

Advisory (Plan)

$1,320

M2B RETIREMENT CONSULTING LLC1 year

Filed as: M2B RETIREMENT CONSULTING, LLC

Service code 15 · EIN 81-3989034

Recordkeeping

$475

SPRING GROVE CEMETERY AND ARBORETUM 401(K) PROFIT SHARING PLAN

Top hat statement on fileNQDC

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

SPRING GROVE CEMETERY AND ARBORETUM 401(K) PROFIT SHARING PLAN

Top hat statement on fileNQDC

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