Retirement plan

THOMAS & MARKER CONSTRUCTION CO. RETIREMENT PLAN

Name: THOMAS & MARKER CONSTRUCTION CO. - THOMAS & MARKER CONSTRUCTION CO. RETIREMENT PLAN (2019) Form 5500
Creator: THOMAS & MARKER CONSTRUCTION CO.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, THOMAS & MARKER CONSTRUCTION CO. RETIREMENT PLAN, THOMAS & MARKER CONSTRUCTION CO.

THOMAS & MARKER CONSTRUCTION CO.EIN 34-4476858Plan #003PY 2019

2084 U.S. ROUTE 68 SOUTH - BELLEFONTAINE, OH 43311937-599-2160thomas-marker.comLinkedIn51-200 employeesconstruction

Prospect flagsLow returnsHigh fees

How to read this page

Total assets (EOY)

$9.6M

+9.1% from 2018

Total participants

152

+2.7% from 2018

Average account balance

$65,649

-3.6% from 2018

Annual return

1.45%

-5.01 pp from 2018

Benchmarks

See 2,830 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants100-249

Cohort2,830 peers

Snapshot2019

See peer percentile detail. $4.99 for your first month.

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Analytics

Total assets (EOY)

Plan-year ending balance

$13.86M

Not enough data

1 years with asset history on file

Average account balance

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

$91K

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.

152

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.

94.4%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.40M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$13K

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

+15.43%

Not enough data

1 years with return on file

Admin fee / account holder

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

$519

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
MORGAN STANLEY SMITH BARNEY4+ years Filed as: MORGAN STANLEY Service code 26 4380 BUCKEYE LANE · BEAVERCREEK, OH 45440	Advisory (Participants)	$59,556
TWG BENEFITS, INC.4+ years Service code 19 400 SKOKIE BLVD., SUITE #415 · NORTHBROOK, IL 60062	Securities Custodian	$28,070
KENTNER SELLERS1 year Filed as: KENTNER SELLERS, LLP CPA Service code 10 801 FALLS CREEK DRIVE · DAYTON OH, OH 45377	Accounting	$15,000
LT TRUST COMPANY4+ years Filed as: MG TRUST COMPANY Service code 26 717 17TH STREET, SUITE #1300 · DENVER, CO 80202	Advisory (Participants)	$8,882

Plan features & details

Pension benefit codes2A2E2H2J2K3D

Plan features

2A
Age/service weighted or new comparability plan
Age/service weighted plan where allocations are based on age service or age and service; or new comparability or similar plan where allocations are based on participant classifications consisting entirely or predominantly of highly compensated employees or the plan provides an additional allocation rate on compensation above a specified threshold that exceeds the permitted disparity limits of Code section 401(l).
2E
Profit-sharing
Profit-sharing plan.
2H
Partial participant-directed account plan
Participants have the opportunity to direct the investment of a portion 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.
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

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.

Expense breakdown

Schedule H Part II

Admin total

$113K

$943 / participant

Investment mgmt$67K58.9%
Contract admin$31K27.8%
Other / not subdivided$15K13.2%

% of EOY assets

1.181%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

The auditor signed off without reservation. This is the cleanest opinion.

Auditor firm: KENTNER SELLERS, LLP
Auditor EIN: 310787612
Audit fees: (not subdivided)
Opinion code: Unqualified

Look up a plan sponsor by EIN. Free Form 5500 search. No signup.

Metric

This plan

Peer set

Industry

Size

Avg account balance

$65,649

$63,114+4.0%

$92,893-29.3%

$65,185+0.7%

Participation rate

95.0%

68.8%+26.2pp

76.0%+19.0pp

70.2%+24.8pp

Annual return

1.45%

28.75%-27.3pp

109.41%-108.0pp

29.38%-27.9pp

Employer contribution / active EE

$6,683

$2,571+160.0%

$3,653+83.0%

$2,177+207.0%

Participant deferral / active EE

$3,057

$3,108-1.7%

$4,236-27.8%

$3,514-13.0%

Admin fee / account holder

$775

$624+24.3%

$5,794-86.6%

$847-8.5%

Provider

Service type

Compensation

MORGAN STANLEY SMITH BARNEY4+ years

Filed as: MORGAN STANLEY

Service code 26

4380 BUCKEYE LANE · BEAVERCREEK, OH 45440

Advisory (Participants)

$59,556

TWG BENEFITS, INC.4+ years

Service code 19

400 SKOKIE BLVD., SUITE #415 · NORTHBROOK, IL 60062

Securities Custodian

$28,070

KENTNER SELLERS1 year

Filed as: KENTNER SELLERS, LLP CPA

Service code 10

801 FALLS CREEK DRIVE · DAYTON OH, OH 45377

Accounting

$15,000

LT TRUST COMPANY4+ years

Filed as: MG TRUST COMPANY

Service code 26

717 17TH STREET, SUITE #1300 · DENVER, CO 80202

Advisory (Participants)

$8,882

THOMAS & MARKER CONSTRUCTION CO. RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

THOMAS & MARKER CONSTRUCTION CO. 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