Retirement plan

THE CAFARO COMPANY RETIREMENT SAVINGS TRUST AND PLAN

Name: THE CAFARO COMPANY - THE CAFARO COMPANY RETIREMENT SAVINGS TRUST AND PLAN (2017) Form 5500
Creator: THE CAFARO COMPANY
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, THE CAFARO COMPANY RETIREMENT SAVINGS TRUST AND PLAN, THE CAFARO COMPANY

THE CAFARO COMPANYEIN 34-1107740Plan #001PY 2017

5577 YOUNGSTOWN-WARREN ROAD - NILES, OH 44446330-747-2661cafarocompany.comLinkedIn501-1000 employeescommercial real estate

Prospect flagsLow returnsLow employer contributionCorrective distributions

How to read this page

Total assets (EOY)

$13.5M

+5.5% from 2016

Total participants

468

+0.9% from 2016

Average account balance

$30,125

-2.5% from 2016

Annual return

11.67%

+6.53 pp from 2016

Benchmarks

See 1,124 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants250-999

Cohort1,124 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$17.80M

Not enough data

1 years with asset history on file

Average account balance

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

$65K

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.

274

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.

42.5%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.47M

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

+12.10%

Not enough data

1 years with return on file

Admin fee / account holder

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

$285

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 4 by compensation

Provider	Service type	Compensation
AMERICAN REALTY ADVISORS3+ years Filed as: AMERICAN PENSION BENEFITS Service code 15 · EIN 25-1722805 115 VIP DRIVE · WEXFORD, PA 15090	Recordkeeping	$45,754
AXIOS ADVISORY GROUP, LTD3+ years Filed as: AXIOS ADVISORY GROUP LTD. Service code 27 · EIN 25-1722805 115 VIP DRIVE · WEXFORD, PA 15090	Advisory (Plan)	$25,292
MID ATLANTIC CAPITAL CORPORATION2 years Service code 27 · EIN 27-3169253 1251 WATERFRONT PLACE · PITTSBURGH, PA 15222	Advisory (Plan)	$7,523
AMERICABN PENSION BENEFITS1 year Service code 64	Recordkeeping Fees	$6,398

Plan features & details

Pension benefit codes2E2F2G2J2K3H2T

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.
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

3 tripped

OpportunityLow employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.
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

$63K

$158 / participant

Investment mgmt$25K40.4%
Contract admin$28K45.2%
Other / not subdivided$9K14.4%

% of EOY assets

0.464%

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: PACKER THOMAS
Auditor EIN: 341667340
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$30,125

$60,545-50.2%

$92,240-67.3%

$69,631-56.7%

Participation rate

95.0%

72.2%+22.8pp

76.5%+18.5pp

70.7%+24.3pp

Annual return

11.67%

19.71%-8.0pp

176.29%-164.6pp

27571.02%-27559.4pp

Employer contribution / active EE

$284

$2,633-89.2%

$3,680-92.3%

$2,032-86.0%

Participant deferral / active EE

$1,966

$2,828-30.5%

$3,897-49.6%

$3,224-39.0%

Admin fee / account holder

$140

$145-3.5%

$5,194-97.3%

$110+26.5%

Provider

Service type

Compensation

AMERICAN REALTY ADVISORS3+ years

Filed as: AMERICAN PENSION BENEFITS

Service code 15 · EIN 25-1722805

115 VIP DRIVE · WEXFORD, PA 15090

Recordkeeping

$45,754

AXIOS ADVISORY GROUP, LTD3+ years

Filed as: AXIOS ADVISORY GROUP LTD.

Service code 27 · EIN 25-1722805

115 VIP DRIVE · WEXFORD, PA 15090

Advisory (Plan)

$25,292

MID ATLANTIC CAPITAL CORPORATION2 years

Service code 27 · EIN 27-3169253

1251 WATERFRONT PLACE · PITTSBURGH, PA 15222

Advisory (Plan)

$7,523

AMERICABN PENSION BENEFITS1 year

Service code 64

Recordkeeping Fees

$6,398

THE CAFARO COMPANY RETIREMENT SAVINGS TRUST AND PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

THE CAFARO COMPANY RETIREMENT SAVINGS TRUST AND 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