Retirement plan

U.A. PLUMBERS & STEAMFITTERS DEFINED CONTRIBUTION AND 401(K) PLAN OF TEXAS

Name: BOARD OF TRUSTEES - U.A. PLUMBERS & STEA STEAMFITTERS DEF CONTRIBUTION - U.A. PLUMBERS & STEAMFITTERS DEFINED CONTRIBUTION AND 401(K) PLAN OF TEXAS (2015) Form 5500
Creator: BOARD OF TRUSTEES - U.A. PLUMBERS & STEA STEAMFITTERS DEF CONTRIBUTION
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, U.A. PLUMBERS & STEAMFITTERS DEFINED CONTRIBUTION AND 401(K) PLAN OF TEXAS, BOARD OF TRUSTEES - U.A. PLUMBERS & STEA STEAMFITTERS DEF CONTRIBUTION

BOARD OF TRUSTEES - U.A. PLUMBERS & STEA STEAMFITTERS DEF CONTRIBUTIONEIN 31-1524293Plan #001PY 2015

P.O. BOX 86007 - PLANO, TX 750860007972-943-9559

Prospect flagsLow returnsLow employer contributionLow participant contribution

How to read this page

Total assets (EOY)

$11.5M

No prior year

Total participants

2,162

No prior year

Average account balance

No prior year

Annual return

-1.61%

No prior year

Benchmarks

See 297 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants1,000-4,999

Cohort297 peers

Snapshot2015

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

Analytics

Total assets (EOY)

Plan-year ending balance

$37.50M

Not enough data

1 years with asset history on file

Average account balance

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

$7K

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.

5,316

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.

100.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$5.00M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$941

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

+12.61%

Not enough data

1 years with return on file

Admin fee / account holder

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

$96

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 7 by compensation

Provider	Service type	Compensation
COMSAL INC1+ years Service code 15 · EIN 75-1761182 4131 N CENTRAL EXPWY SUITE 250 · DALLAS, TX 75204	Recordkeeping	$66,983
MORGAN STANLEY SMITH BARNEY1+ years Filed as: MORGAN STANLEY SMITH BARNEY HOLDING Service code 26 · EIN 26-4310632 1400 CIVIC PLACE SUITE 200 · SOUTHLAKE, TX 76092	Advisory (Participants)	$53,005
CONNER & WINTERS1+ years Filed as: CONNER & WINTERS LLP Service code 29 · EIN 73-1388566 1001 MCKINNEY STREET SUITE 550 · HOUSTON, TX 77002	Legal	$13,689
ERISA SERVICES, INC.1+ years Filed as: ERISA ADMINISTRATORS LLC Service code 13 · EIN 75-2915587 PO BOX 860007 · PLANO, TX 750860007	Contract Administrator	$10,500
GEARY E. ALLEN, PC1+ years Service code 10 · EIN 75-2566955 15770 DALLAS PARKWAY SUITE 1275 · DALLAS, TX 75248	Accounting	$7,800
IEC GROUP, INC. DBA AMERIBEN1+ years Filed as: IEC GROUP INC (AMERIBEN) Service code 13 · EIN 82-0497661 PO BOX 860007 · PLANO, TX 750860007	Contract Administrator	$7,500
THE SEGAL COMPANY1+ years Service code 16 · EIN 94-1509399 6575 WEST LOOP SOUTH SUITE 610 · BELLAIRE, TX 77401	Consulting	$7,500

Plan features & details

Pension benefit codes2G2J

Plan features

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.

Opportunity flags

3 tripped

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.
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$173K

$82 / participant

Investment mgmt$53K30.7%
Contract admin$18K10.4%
Other / not subdivided$102K58.9%

% of EOY assets

1.497%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: GEARY E. ALLEN, PC
Auditor EIN: 752566955
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$55,516-100.0%

$75,784-100.0%

$59,188-100.0%

Participation rate

0.0%

73.6%-73.6pp

75.8%-75.8pp

69.4%-69.4pp

Annual return

-1.61%

-1.89%+0.3pp

9.68%-11.3pp

5.51%-7.1pp

Employer contribution / active EE

$509

$2,604-80.5%

$3,323-84.7%

$2,098-75.7%

Participant deferral / active EE

$204

$2,599-92.2%

$3,652-94.4%

$3,265-93.8%

Admin fee / account holder

$110-100.0%

$5,300-100.0%

$92-100.0%

Provider

Service type

Compensation

COMSAL INC1+ years

Service code 15 · EIN 75-1761182

4131 N CENTRAL EXPWY SUITE 250 · DALLAS, TX 75204

Recordkeeping

$66,983

MORGAN STANLEY SMITH BARNEY1+ years

Filed as: MORGAN STANLEY SMITH BARNEY HOLDING

Service code 26 · EIN 26-4310632

1400 CIVIC PLACE SUITE 200 · SOUTHLAKE, TX 76092

Advisory (Participants)

$53,005

CONNER & WINTERS1+ years

Filed as: CONNER & WINTERS LLP

Service code 29 · EIN 73-1388566

1001 MCKINNEY STREET SUITE 550 · HOUSTON, TX 77002

Legal

$13,689

ERISA SERVICES, INC.1+ years

Filed as: ERISA ADMINISTRATORS LLC

Service code 13 · EIN 75-2915587

PO BOX 860007 · PLANO, TX 750860007

Contract Administrator

$10,500

GEARY E. ALLEN, PC1+ years

Service code 10 · EIN 75-2566955

15770 DALLAS PARKWAY SUITE 1275 · DALLAS, TX 75248

Accounting

$7,800

IEC GROUP, INC. DBA AMERIBEN1+ years

Filed as: IEC GROUP INC (AMERIBEN)

Service code 13 · EIN 82-0497661

PO BOX 860007 · PLANO, TX 750860007

Contract Administrator

$7,500

THE SEGAL COMPANY1+ years

Service code 16 · EIN 94-1509399

6575 WEST LOOP SOUTH SUITE 610 · BELLAIRE, TX 77401

Consulting

$7,500

U.A. PLUMBERS & STEAMFITTERS DEFINED CONTRIBUTION AND 401(K) PLAN OF TEXAS

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

U.A. PLUMBERS & STEAMFITTERS DEFINED CONTRIBUTION AND 401(K) PLAN OF TEXAS

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