Retirement plan

CURO HEALTH SERVICES RETIREMENT SAVINGS PLAN

Name: CURO HEALTH SERVICES, LLC - CURO HEALTH SERVICES RETIREMENT SAVINGS PLAN (2018) Form 5500
Creator: CURO HEALTH SERVICES, LLC
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CURO HEALTH SERVICES RETIREMENT SAVINGS PLAN, CURO HEALTH SERVICES, LLC

CURO HEALTH SERVICES, LLCEIN 32-0307955Plan #001PY 2018

655 BRAWLEY SCHOOL RD, #200 - MOORESVILLE, NC 28117704-664-2876

Prospect flagsLow participationCorrective distributions

How to read this page

Total assets (EOY)

$33.5M

-19.6% from 2016

Total participants

5,231

-12.3% from 2016

Average account balance

$21,624

-12.1% from 2016

Annual return

-4.22%

-12.39 pp from 2016

Benchmarks

See 1,316 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants1,000-4,999

Cohort1,316 peers

Snapshot2018

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

Analytics

Total assets (EOY)

Plan-year ending balance

$301.07M

Not enough data

1 years with asset history on file

Average account balance

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

$35K

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.

8,585

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.

32.3%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$44.61M

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

+20.63%

Not enough data

1 years with return on file

Admin fee / account holder

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

$75

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 10 of 11 by compensation

Provider	Service type	Compensation
MASSACHUSETTS MUTUAL LIFE INS. CO.4+ years Service code 49 · EIN 04-1590850	Other Services	$229,209
LPL FINANCIAL2 years Service code 27 · EIN 04-3046611	Advisory (Plan)	$62,833
AMERICAN CENTURY2 years Service code 52 · EIN 43-1646043	Indirect Investment Fees	$0
DIMENSIONAL FUND ADVISORS2 years Service code 52 · EIN 36-3129984	Indirect Investment Fees	$0
MORGAN STANLEY SMITH BARNEY2 years Filed as: JP MORGAN Service code 52 · EIN 26-3613641	Indirect Investment Fees	$0
METROPOLITAN WEST ASSET MANAGEMENT2 years Service code 52 · EIN 95-4597302	Indirect Investment Fees	$0
PIONEER2 years Service code 52 · EIN 04-3453709	Indirect Investment Fees	$0
PRICEWATERHOUSECOOPERS LLP1 year Filed as: PRICEWATERHOUSECOOPERS, LLP Service code 10 · EIN 13-4008324	Accounting	$0
PRINCIPAL INVESTORS2 years Service code 52 · EIN 91-1801401	Indirect Investment Fees	$0
T ROWE PRICE RPS INC2 years Filed as: T. ROWE PRICE Service code 52 · EIN 52-0791372	Indirect Investment Fees	$0

Plan features & details

Pension benefit codes2E2J2F2G2K3D2T3H

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.
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

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$229K

$46 / participant

Investment mgmt$189K82.6%
Contract admin$39K17.2%
Other / not subdivided$3750.2%

% of EOY assets

0.684%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

No opinion code on file for this filing.

Auditor firm: (not reported)
Auditor EIN: -
Audit fees: (not subdivided)
Opinion code: -

Metric

This plan

Peer set

Industry

Size

Avg account balance

$21,624

$45,382-52.4%

$154,110-86.0%

$75,289-71.3%

Participation rate

25.7%

65.9%-40.2pp

83.0%-57.4pp

72.4%-46.8pp

Annual return

-4.22%

-0.47%-3.8pp

735.22%-739.4pp

-0.04%-4.2pp

Employer contribution / active EE

$238

$1,533-84.5%

$5,298-95.5%

$2,405-90.1%

Participant deferral / active EE

$1,045

$2,384-56.2%

$5,081-79.4%

$3,739-72.0%

Admin fee / account holder

$148

$89+65.7%

$13,412-98.9%

$102+44.7%

Provider

Service type

Compensation

MASSACHUSETTS MUTUAL LIFE INS. CO.4+ years

Service code 49 · EIN 04-1590850

Other Services

$229,209

LPL FINANCIAL2 years

Service code 27 · EIN 04-3046611

Advisory (Plan)

$62,833

AMERICAN CENTURY2 years

Service code 52 · EIN 43-1646043

Indirect Investment Fees

DIMENSIONAL FUND ADVISORS2 years

Service code 52 · EIN 36-3129984

Indirect Investment Fees

MORGAN STANLEY SMITH BARNEY2 years

Filed as: JP MORGAN

Service code 52 · EIN 26-3613641

Indirect Investment Fees

METROPOLITAN WEST ASSET MANAGEMENT2 years

Service code 52 · EIN 95-4597302

Indirect Investment Fees

PIONEER2 years

Service code 52 · EIN 04-3453709

Indirect Investment Fees

PRICEWATERHOUSECOOPERS LLP1 year

Filed as: PRICEWATERHOUSECOOPERS, LLP

Service code 10 · EIN 13-4008324

Accounting

PRINCIPAL INVESTORS2 years

Service code 52 · EIN 91-1801401

Indirect Investment Fees

T ROWE PRICE RPS INC2 years

Filed as: T. ROWE PRICE

Service code 52 · EIN 52-0791372

Indirect Investment Fees

CURO HEALTH SERVICES RETIREMENT SAVINGS PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CURO HEALTH SERVICES RETIREMENT SAVINGS 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