Retirement plan

KIMBALL, TIREY & ST. JOHN LLP 401(K) PLAN

Name: KIMBALL, TIREY & ST. JOHN LLP - KIMBALL, TIREY & ST. JOHN LLP 401(K) PLAN (2016) Form 5500
Creator: KIMBALL, TIREY & ST. JOHN LLP
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, KIMBALL, TIREY & ST. JOHN LLP 401(K) PLAN, KIMBALL, TIREY & ST. JOHN LLP

KIMBALL, TIREY & ST. JOHN LLPEIN 33-0404480Plan #002PY 2016

7676 HAZARD CENTER DRIVE, SUITE 900B - SAN DIEGO, CA 92108619-234-1690kts-law.comLinkedIn201-500 employeeslaw practice

Prospect flagsLow participationCorrective distributions

How to read this page

Total assets (EOY)

$9.9M

+15.5% from 2015

Total participants

228

+6.5% from 2015

Average account balance

$89,559

+16.5% from 2015

Annual return

9.04%

+9.60 pp from 2015

Benchmarks

See 5,032 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants100-249

Cohort5,032 peers

Snapshot2016

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

Analytics

Total assets (EOY)

Plan-year ending balance

$23.55M

Not enough data

1 years with asset history on file

Average account balance

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

$119K

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.

198

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.

42.1%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.96M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$5K

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

+12.64%

Not enough data

1 years with return on file

Admin fee / account holder

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

$493

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 2 by compensation

Provider	Service type	Compensation
LPL FINANCIAL2+ years Filed as: LPL FINANCIAL CORPORATION Service code 53 · EIN 95-2834236	Insurance Commissions	$22,463
MASSACHUSETTS MUTUAL LIFE INS. CO.2+ years Service code 52 · EIN 04-1590850	Indirect Investment Fees	$1,815

Plan features & details

Pension benefit codes2E2J2F2G3B3D2T

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.
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.
3B
Plan covering self-employed individuals
Plan covering self-employed individuals.
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.

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

$2K

$9 / participant

Contract admin$2K100.0%

% of EOY assets

0.018%

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: JGD & ASSOCIATES
Auditor EIN: 953132551
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$89,559

$75,183+19.1%

$123,894-27.7%

$55,167+62.3%

Participation rate

43.5%

72.8%-29.3pp

81.4%-37.9pp

69.0%-25.4pp

Annual return

9.04%

19.01%-10.0pp

47.52%-38.5pp

169.23%-160.2pp

Employer contribution / active EE

$2,823-100.0%

$4,617-100.0%

$1,963-100.0%

Participant deferral / active EE

$3,327

$5,084-34.6%

$5,984-44.4%

$3,054+8.9%

Admin fee / account holder

$17

$663-97.5%

$8,357-99.8%

$504-96.7%

Provider

Service type

Compensation

LPL FINANCIAL2+ years

Filed as: LPL FINANCIAL CORPORATION

Service code 53 · EIN 95-2834236

Insurance Commissions

$22,463

MASSACHUSETTS MUTUAL LIFE INS. CO.2+ years

Service code 52 · EIN 04-1590850

Indirect Investment Fees

$1,815

KIMBALL, TIREY & ST. JOHN LLP 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

KIMBALL, TIREY & ST. JOHN LLP 401(K) 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