Retirement plan

HAZARD CONSTRUCTION COMPANY RETIREMENT PLAN

Name: HAZARD CONSTRUCTION COMPANY - HAZARD CONSTRUCTION COMPANY RETIREMENT PLAN (2017) Form 5500
Creator: HAZARD CONSTRUCTION COMPANY
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, HAZARD CONSTRUCTION COMPANY RETIREMENT PLAN, HAZARD CONSTRUCTION COMPANY

HAZARD CONSTRUCTION COMPANYEIN 33-0807734Plan #001PY 2017

6465 MARINDUSTRY DRIVE - SAN DIEGO, CA 92121858-200-3663hazardconstruction.comLinkedIn11-50 employeesconstruction

Prospect flagsLow returnsHigh feesLow participationCorrective distributions

How to read this page

Total assets (EOY)

$14.6M

+2.4% from 2016

Total participants

173

-4.9% from 2016

Average account balance

$114,611

-0.8% from 2016

Annual return

13.00%

+9.32 pp from 2016

Benchmarks

See 2,582 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants100-249

Cohort2,582 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$26.76M

Not enough data

1 years with asset history on file

Average account balance

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

$135K

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.

83.6%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$2.85M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$17K

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

+13.61%

Not enough data

1 years with return on file

Admin fee / account holder

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

$229

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.3+ years Service code 52 · EIN 04-1590850	Indirect Investment Fees	$40,164
SAGEPOINT FINANCIAL INC1 year Filed as: SAGEPOINT FINANCIAL INC. Service code 27 · EIN 20-1741754	Advisory (Plan)	$34,050
ALLIANZ GLOBAL INVESTORS1 year Service code 52 · EIN 33-0457728	Indirect Investment Fees	$0
DIMENSIONAL FUND ADVISORS1 year Service code 52 · EIN 36-3129984	Indirect Investment Fees	$0
DODGE & COX1 year Service code 52 · EIN 94-3390852	Indirect Investment Fees	$0
MORGAN STANLEY SMITH BARNEY1 year Filed as: JP MORGAN Service code 52 · EIN 13-3963293	Indirect Investment Fees	$0
LORD ABBETT1 year Service code 52 · EIN 13-3731507	Indirect Investment Fees	$0
NORTHERN FUNDS1 year Service code 52 · EIN 56-2496730	Indirect Investment Fees	$0
GREAT-WEST LIFE & ANNUITY INSURANCE1 year Filed as: PUTNAM Service code 52 · EIN 04-6407893	Indirect Investment Fees	$0
T ROWE PRICE RPS INC1 year Filed as: T. ROWE PRICE Service code 52 · EIN 52-1827505	Indirect Investment Fees	$0

Plan features & details

Pension benefit codes2E2J2F2G2K3D2T

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.

Opportunity flags

4 tripped

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

Expense breakdown

Schedule H Part II

Admin total

$40K

$270 / participant

Investment mgmt$34K84.7%
Contract admin$6K15.0%
Other / not subdivided$1250.3%

% of EOY assets

0.276%

all-in expense ratio

Categories reported

2 / 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: LAVINE, LOFGREN, MORRIS & ENGELBER
Auditor EIN: 330690020
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$114,611

$58,726+95.2%

$92,240+24.3%

$62,293+84.0%

Participation rate

69.1%

68.3%+0.8pp

76.5%-7.4pp

69.5%-0.4pp

Annual return

13.00%

43.62%-30.6pp

176.29%-163.3pp

28.90%-15.9pp

Employer contribution / active EE

$5,923

$2,392+147.7%

$3,680+61.0%

$2,042+190.0%

Participant deferral / active EE

$4,218

$2,766+52.5%

$3,897+8.2%

$3,169+33.1%

Admin fee / account holder

$316

$556-43.2%

$5,194-93.9%

$479-34.0%

Provider

Service type

Compensation

MASSACHUSETTS MUTUAL LIFE INS. CO.3+ years

Service code 52 · EIN 04-1590850

Indirect Investment Fees

$40,164

SAGEPOINT FINANCIAL INC1 year

Filed as: SAGEPOINT FINANCIAL INC.

Service code 27 · EIN 20-1741754

Advisory (Plan)

$34,050

ALLIANZ GLOBAL INVESTORS1 year

Service code 52 · EIN 33-0457728

Indirect Investment Fees

DIMENSIONAL FUND ADVISORS1 year

Service code 52 · EIN 36-3129984

Indirect Investment Fees

DODGE & COX1 year

Service code 52 · EIN 94-3390852

Indirect Investment Fees

MORGAN STANLEY SMITH BARNEY1 year

Filed as: JP MORGAN

Service code 52 · EIN 13-3963293

Indirect Investment Fees

LORD ABBETT1 year

Service code 52 · EIN 13-3731507

Indirect Investment Fees

NORTHERN FUNDS1 year

Service code 52 · EIN 56-2496730

Indirect Investment Fees

GREAT-WEST LIFE & ANNUITY INSURANCE1 year

Filed as: PUTNAM

Service code 52 · EIN 04-6407893

Indirect Investment Fees

T ROWE PRICE RPS INC1 year

Filed as: T. ROWE PRICE

Service code 52 · EIN 52-1827505

Indirect Investment Fees

HAZARD CONSTRUCTION COMPANY RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

HAZARD CONSTRUCTION COMPANY RETIREMENT 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