Retirement plan

HAZARD CONSTRUCTION COMPANY RETIREMENT PLAN

Name: HAZARD CONSTRUCTION COMPANY - HAZARD CONSTRUCTION COMPANY RETIREMENT PLAN (2018) 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 2018

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

Prospect flagsHigh feesLow participationCorrective distributions

How to read this page

Total assets (EOY)

$15M

+2.8% from 2017

Total participants

193

+11.6% from 2017

Average account balance

$106,126

-7.4% from 2017

Annual return

-3.23%

-16.23 pp from 2017

Benchmarks

See 2,759 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants100-249

Cohort2,759 peers

Snapshot2018

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

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

Service providers

Top 10 of 12 by compensation

Provider	Service type	Compensation
MASSACHUSETTS MUTUAL LIFE INS. CO.4+ years Service code 49 · EIN 04-1590850	Other Services	$43,507
SAGEPOINT FINANCIAL INC2 years Filed as: SAGEPOINT FINANCIAL INC. Service code 27 · EIN 20-1741754	Advisory (Plan)	$26,958
MMA SECURITIES LLC1 year Service code 27 · EIN 22-3570392	Advisory (Plan)	$9,811
ALLIANZ GLOBAL INVESTORS2 years Service code 52 · EIN 06-1349805	Indirect Investment Fees	$0
DIMENSIONAL FUND ADVISORS2 years Service code 52 · EIN 36-3129984	Indirect Investment Fees	$0
DODGE & COX2 years Service code 52 · EIN 94-6067274	Indirect Investment Fees	$0
MORGAN STANLEY SMITH BARNEY2 years Filed as: JP MORGAN Service code 52 · EIN 13-3963293	Indirect Investment Fees	$0
LORD ABBETT2 years Service code 52 · EIN 13-3731507	Indirect Investment Fees	$0
NORTHERN FUNDS2 years Service code 52 · EIN 36-3608252	Indirect Investment Fees	$0
GREAT-WEST LIFE & ANNUITY INSURANCE2 years Filed as: PUTNAM Service code 52 · EIN 04-6407893	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

3 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.)
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$53K

$327 / participant

Investment mgmt$47K88.0%
Contract admin$6K12.0%

% of EOY assets

0.356%

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: ALDRICH CPA'S AND ADVISORS LLP
Auditor EIN: 930623286
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$106,126

$55,449+91.4%

$83,831+26.6%

$56,289+88.5%

Participation rate

68.1%

68.0%+0.1pp

76.1%-8.0pp

69.9%-1.8pp

Annual return

-3.23%

-1.38%-1.9pp

850.99%-854.2pp

-9.96%+6.7pp

Employer contribution / active EE

$6,179

$2,430+154.2%

$3,631+70.2%

$2,111+192.7%

Participant deferral / active EE

$4,541

$2,935+54.7%

$4,082+11.2%

$3,350+35.5%

Admin fee / account holder

$378

$656-42.4%

$5,479-93.1%

$521-27.4%

Provider

Service type

Compensation

MASSACHUSETTS MUTUAL LIFE INS. CO.4+ years

Service code 49 · EIN 04-1590850

Other Services

$43,507

SAGEPOINT FINANCIAL INC2 years

Filed as: SAGEPOINT FINANCIAL INC.

Service code 27 · EIN 20-1741754

Advisory (Plan)

$26,958

MMA SECURITIES LLC1 year

Service code 27 · EIN 22-3570392

Advisory (Plan)

$9,811

ALLIANZ GLOBAL INVESTORS2 years

Service code 52 · EIN 06-1349805

Indirect Investment Fees

DIMENSIONAL FUND ADVISORS2 years

Service code 52 · EIN 36-3129984

Indirect Investment Fees

DODGE & COX2 years

Service code 52 · EIN 94-6067274

Indirect Investment Fees

MORGAN STANLEY SMITH BARNEY2 years

Filed as: JP MORGAN

Service code 52 · EIN 13-3963293

Indirect Investment Fees

LORD ABBETT2 years

Service code 52 · EIN 13-3731507

Indirect Investment Fees

NORTHERN FUNDS2 years

Service code 52 · EIN 36-3608252

Indirect Investment Fees

GREAT-WEST LIFE & ANNUITY INSURANCE2 years

Filed as: PUTNAM

Service code 52 · EIN 04-6407893

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