Retirement plan

THE TOLEDO NEWSPAPER UNIONS BLADE SAVINGS PLAN AND TRUST

Name: THE TOLEDO NEWSPAPER UNIONS BLADE SAVINGS TRUST - THE TOLEDO NEWSPAPER UNIONS BLADE SAVINGS PLAN AND TRUST (2018) Form 5500
Creator: THE TOLEDO NEWSPAPER UNIONS BLADE SAVINGS TRUST
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, THE TOLEDO NEWSPAPER UNIONS BLADE SAVINGS PLAN AND TRUST, THE TOLEDO NEWSPAPER UNIONS BLADE SAVINGS TRUST

THE TOLEDO NEWSPAPER UNIONS BLADE SAVINGS TRUSTEIN 31-1571353Plan #002PY 2018

7142 NIGHTINGALE DRIVE SUITE 1 - HOLLAND, OH 43528419-248-2401LinkedIn201-500 employeespublishing

Prospect flagsHigh feesLow participationLow participant contribution

How to read this page

Total assets (EOY)

$15.2M

-8.8% from 2017

Total participants

270

-1.8% from 2017

Average account balance

$76,173

-8.8% from 2017

Annual return

-5.31%

-19.89 pp from 2017

Benchmarks

See 865 peers

Peer group

Industry51 - Information

Plan typeDefined contribution

Participants100-249

Cohort865 peers

Snapshot2018

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

Analytics

Total assets (EOY)

Plan-year ending balance

$16.75M

Not enough data

1 years with asset history on file

Average account balance

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

$111K

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.

151

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.

96.1%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$269K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$3K

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

+14.73%

Not enough data

1 years with return on file

Admin fee / account holder

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

$595

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 5 by compensation

Provider	Service type	Compensation
TRANSAMERICA RETIREMENT SOLUTIONS4+ years Service code 12 · EIN 13-3689044 4333 EDGEWOOD MAIL 0001 · CEDAR RAPIDS, IA 52499	Participant loan processing; Recordke...	$36,380
TITUS & URBANSKI, INC.4+ years Filed as: TITUS & URBANSKI INC Service code 10 · EIN 34-1695540 1540 S HOLLAND-SYLVANIA · MAUMEE, OH 43537	Accounting	$26,940
NORTHWESTERN OHIO ADMINISTRATORS4+ years Filed as: NORTHWESTERN OHIO ADMINSTATORS INC Service code 28 · EIN 34-1337680 7142 NIGHTINGALE DRIVE · HOLLAND, OH 435287822	Investment Management	$11,595
SHUMAKER, LOOP & KENDRICK, LLP4+ years Filed as: SHUMAKER, LOOP & KENDRICK Service code 29 · EIN 34-4439491 1000 JACKSON STREET · TOLEDO, OH 43624	Legal	$6,511
NATIONAL FINANCIAL SERVICES4+ years Service code 33 · EIN 04-3523567 200 LIBERTY ST 5TH FL · NEW YORK, NY 10281	Securities brokerage commissions and ...	$0

Plan features & details

Pension benefit codes2E2F2G2J3H

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.
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

3 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
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

$90K

$498 / participant

Contract admin$36K40.6%
Other / not subdivided$53K59.4%

% of EOY assets

0.591%

all-in expense ratio

Categories reported

1 / 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: TITUS & URBANSKI, INC
Auditor EIN: 341695540
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$76,173

$61,214+24.4%

$83,327-8.6%

$56,289+35.3%

Participation rate

60.6%

72.6%-12.0pp

77.8%-17.2pp

69.9%-9.3pp

Annual return

-5.31%

0.42%-5.7pp

10.64%-16.0pp

-9.96%+4.6pp

Employer contribution / active EE

$481

$1,925-75.0%

$3,379-85.8%

$2,111-77.2%

Participant deferral / active EE

$1,578

$5,091-69.0%

$5,565-71.6%

$3,350-52.9%

Admin fee / account holder

$451

$512-11.9%

$7,540-94.0%

$521-13.5%

Provider

Service type

Compensation

TRANSAMERICA RETIREMENT SOLUTIONS4+ years

Service code 12 · EIN 13-3689044

4333 EDGEWOOD MAIL 0001 · CEDAR RAPIDS, IA 52499

Participant loan processing; Recordke...

$36,380

TITUS & URBANSKI, INC.4+ years

Filed as: TITUS & URBANSKI INC

Service code 10 · EIN 34-1695540

1540 S HOLLAND-SYLVANIA · MAUMEE, OH 43537

Accounting

$26,940

NORTHWESTERN OHIO ADMINISTRATORS4+ years

Filed as: NORTHWESTERN OHIO ADMINSTATORS INC

Service code 28 · EIN 34-1337680

7142 NIGHTINGALE DRIVE · HOLLAND, OH 435287822

Investment Management

$11,595

SHUMAKER, LOOP & KENDRICK, LLP4+ years

Filed as: SHUMAKER, LOOP & KENDRICK

Service code 29 · EIN 34-4439491

1000 JACKSON STREET · TOLEDO, OH 43624

Legal

$6,511

NATIONAL FINANCIAL SERVICES4+ years

Service code 33 · EIN 04-3523567

200 LIBERTY ST 5TH FL · NEW YORK, NY 10281

Securities brokerage commissions and ...

THE TOLEDO NEWSPAPER UNIONS BLADE SAVINGS PLAN AND TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

THE TOLEDO NEWSPAPER UNIONS BLADE SAVINGS PLAN AND TRUST

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