Retirement plan

J.O. MORY, INC. EMPLOYEE SAVINGS AND PROTECTION PLAN

Name: J.O. MORY STORES, INC. - J.O. MORY, INC. EMPLOYEE SAVINGS AND PROTECTION PLAN (2015) Form 5500
Creator: J.O. MORY STORES, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, J.O. MORY, INC. EMPLOYEE SAVINGS AND PROTECTION PLAN, J.O. MORY STORES, INC.

J.O. MORY STORES, INC.EIN 35-0893547Plan #002PY 2015

P.O. BOX 128 - SOUTH MILFORD, IN 46786574-347-3753jomory.comLinkedIn11-50 employeesconstruction

Prospect flagsLow employer contribution

How to read this page

Total assets (EOY)

$4M

No prior year

Total participants

122

No prior year

Average account balance

$42,675

No prior year

Annual return

1.60%

No prior year

Benchmarks

See 2,111 peers

Peer group

Industry42 - Wholesale Trade

Plan typeDefined contribution

Participants100-249

Cohort2,111 peers

Snapshot2015

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

Analytics

Total assets (EOY)

Plan-year ending balance

$7.69M

Not enough data

1 years with asset history on file

Average account balance

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

$51K

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.

93.6%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$528K

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

+10.96%

Not enough data

1 years with return on file

Admin fee / account holder

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

$443

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 1 by compensation

Provider	Service type	Compensation
MASSACHUSETTS MUTUAL LIFE INS. CO.1+ years Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 15 · EIN 04-1590850	Recordkeeping	$1,602

Plan features & details

Pension benefit codes2E2G3D2J2K

Plan features

2E
Profit-sharing
Profit-sharing plan.
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.
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

1 tripped

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

Expense breakdown

Schedule H Part II

Admin total

$3K

$31 / participant

Contract admin$2K52.5%
Other / not subdivided$1K47.5%

% of EOY assets

0.076%

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: BKD LLP
Auditor EIN: 440160260
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$42,675

$57,108-25.3%

$94,229-54.7%

$52,331-18.5%

Participation rate

72.0%

72.9%-0.9pp

78.8%-6.8pp

68.1%+3.9pp

Annual return

1.60%

1.47%+0.1pp

10.68%-9.1pp

4.54%-2.9pp

Employer contribution / active EE

$250

$1,735-85.6%

$3,587-93.0%

$1,882-86.7%

Participant deferral / active EE

$1,901

$3,040-37.5%

$4,320-56.0%

$3,022-37.1%

Admin fee / account holder

$32

$546-94.1%

$6,269-99.5%

$592-94.5%

Provider

Service type

Compensation

MASSACHUSETTS MUTUAL LIFE INS. CO.1+ years

Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE

Service code 15 · EIN 04-1590850

Recordkeeping

$1,602

J.O. MORY, INC. EMPLOYEE SAVINGS AND PROTECTION PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

J.O. MORY, INC. EMPLOYEE SAVINGS AND PROTECTION 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