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 (2020) 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 2020

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

Prospect flagsLow returnsHigh feesLow participationLow participant contribution

How to read this page

Total assets (EOY)

$17.8M

+6.6% from 2019

Total participants

226

-6.2% from 2019

Average account balance

$106,629

+10.4% from 2019

Annual return

12.32%

-8.02 pp from 2019

Benchmarks

See 909 peers

Peer group

Industry51 - Information

Plan typeDefined contribution

Participants100-249

Cohort909 peers

Snapshot2020

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Analytics

Total assets (EOY)

Plan-year ending balance

$16.15M

Not enough data

1 years with asset history on file

Average account balance

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

$110K

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.

147

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.

87.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$215K

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

+13.10%

Not enough data

1 years with return on file

Admin fee / account holder

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

$642

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 SOLUTIONS6+ years Service code 12 · EIN 13-3689044 4333 EDGEWOOD MAIL 0001 · CEDAR RAPIDS, IA 52499	Finders' fees / placement fees; Sales...	$38,397
TITUS & URBANSKI, INC.6+ years Filed as: TITUS & URBANSKI INC Service code 10 · EIN 34-1695540 1540 S HOLLAND-SYLVANIA · MAUMEE, OH 43537	Accounting	$26,940
NORTHWESTERN OHIO ADMINISTRATORS6+ years Filed as: NORTHWESTERN OHIO ADMINSTATORS INC Service code 28 · EIN 34-1337680 7142 NIGHTINGALE DRIVE · HOLLAND, OH 435287822	Investment Management	$11,856
SHUMAKER, LOOP & KENDRICK, LLP2 years Filed as: SHUMAKER, LOOP, & KENDRICK Service code 29 · EIN 34-4439491 1000 JACKSON STREET · TOLEDO, OH 43624	Legal	$6,355
NATIONAL FINANCIAL SERVICES6+ years Service code 33 · EIN 04-3523567 200 LIBERTY ST 5TH FL · NEW YORK, NY 10281	Securities brokerage; Securities brok...	$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

4 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.)
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$89K

$575 / participant

Investment mgmt$43K49.0%
Other / not subdivided$45K51.0%

% of EOY assets

0.497%

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

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$106,629

$66,813+59.6%

$100,516+6.1%

$73,488+45.1%

Participation rate

61.7%

77.5%-15.8pp

79.4%-17.7pp

70.7%-9.0pp

Annual return

12.32%

25.70%-13.4pp

30.89%-18.6pp

28.51%-16.2pp

Employer contribution / active EE

$496

$2,147-76.9%

$3,418-85.5%

$2,270-78.1%

Participant deferral / active EE

$1,615

$5,883-72.5%

$6,270-74.2%

$3,740-56.8%

Admin fee / account holder

$530

$512+3.5%

$8,081-93.4%

$513+3.3%

Provider

Service type

Compensation

TRANSAMERICA RETIREMENT SOLUTIONS6+ years

Service code 12 · EIN 13-3689044

4333 EDGEWOOD MAIL 0001 · CEDAR RAPIDS, IA 52499

Finders' fees / placement fees; Sales...

$38,397

TITUS & URBANSKI, INC.6+ years

Filed as: TITUS & URBANSKI INC

Service code 10 · EIN 34-1695540

1540 S HOLLAND-SYLVANIA · MAUMEE, OH 43537

Accounting

$26,940

NORTHWESTERN OHIO ADMINISTRATORS6+ years

Filed as: NORTHWESTERN OHIO ADMINSTATORS INC

Service code 28 · EIN 34-1337680

7142 NIGHTINGALE DRIVE · HOLLAND, OH 435287822

Investment Management

$11,856

SHUMAKER, LOOP & KENDRICK, LLP2 years

Filed as: SHUMAKER, LOOP, & KENDRICK

Service code 29 · EIN 34-4439491

1000 JACKSON STREET · TOLEDO, OH 43624

Legal

$6,355

NATIONAL FINANCIAL SERVICES6+ years

Service code 33 · EIN 04-3523567

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

Securities brokerage; Securities brok...

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