Retirement plan

PADDOCK PUBLICATIONS, INC. EMPLOYEES 401(K) PLAN

Name: PADDOCK PUBLICATIONS, INC. - PADDOCK PUBLICATIONS, INC. EMPLOYEES 401(K) PLAN (2017) Form 5500
Creator: PADDOCK PUBLICATIONS, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, PADDOCK PUBLICATIONS, INC. EMPLOYEES 401(K) PLAN, PADDOCK PUBLICATIONS, INC.

PADDOCK PUBLICATIONS, INC.EIN 36-2104951Plan #001PY 2017

155 E. ALGONQUIN ROAD - ARLINGTON HEIGHTS, IL 60005847-427-4350LinkedIn501-1000 employeespublishing

Other plans on this EIN

1 filing

#002Retirement-$8.2M assets

Prospect flagsHigh feesLow participationLow employer contributionCorrective distributions

Top hat statement on fileNQDC

Filed June 21, 2005

This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.

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Total assets (EOY)

$41.9M

+13.5% from 2016

Total participants

485

-1.2% from 2016

Average account balance

$156,454

+19.0% from 2016

Annual return

17.47%

+9.92 pp from 2016

Benchmarks

See 512 peers

Peer group

Industry51 - Information

Plan typeDefined contribution

Participants250-999

Cohort512 peers

Snapshot2017

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Analytics

Total assets (EOY)

Plan-year ending balance

$43.30M

Not enough data

1 years with asset history on file

Average account balance

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

$207K

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.

209

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.

51.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$731K

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

+21.49%

Not enough data

1 years with return on file

Admin fee / account holder

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

$288

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 3 by compensation

Provider	Service type	Compensation
CHARLES SCHWAB & CO., INC.3+ years Filed as: SCHWAB RETIREMENT PLAN SERVICES INC Service code 15 · EIN 34-1479833	Recordkeeping	$90,374
CHARLES SCHWAB & CO., INC.3+ years Filed as: CHARLES SCHWAB & CO., INC Service code 33 · EIN 94-1737782	Shareholder servicing fees; Direct pa...	$200
CHARLES SCHWAB & CO., INC.3+ years Filed as: CHARLES SCHWAB & CO. INC. AND AFFIL Service code 59	Shareholder Servicing	$0

Plan features & details

Pension benefit codes2E2F2G2J2K2R2S2T3D3H

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.
2R
Participant-directed brokerage accounts
Participant-directed brokerage accounts provided as an investment option under the plan.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
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.
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

4 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityLow employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.
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

$90K

$224 / participant

Other / not subdivided$90K100.0%

% of EOY assets

0.216%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Disclaimer opinion

The auditor declined to give an opinion. This is usually a 103(a)(3)(C) limited-scope election.

Auditor firm: WEISS & COMPANY LLP
Auditor EIN: 362663249
Audit fees: (not subdivided)
Opinion code: Disclaimer

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$156,454

$65,592+138.5%

$90,160+73.5%

$69,631+124.7%

Participation rate

46.3%

77.6%-31.3pp

76.9%-30.6pp

70.7%-24.4pp

Annual return

17.47%

57.10%-39.6pp

34.88%-17.4pp

27571.02%-27553.6pp

Employer contribution / active EE

$2,193-100.0%

$3,318-100.0%

$2,032-100.0%

Participant deferral / active EE

$3,211

$5,257-38.9%

$5,288-39.3%

$3,224-0.4%

Admin fee / account holder

$337

$86+293.6%

$5,943-94.3%

$110+205.3%

Provider

Service type

Compensation

CHARLES SCHWAB & CO., INC.3+ years

Filed as: SCHWAB RETIREMENT PLAN SERVICES INC

Service code 15 · EIN 34-1479833

Recordkeeping

$90,374

CHARLES SCHWAB & CO., INC.3+ years

Filed as: CHARLES SCHWAB & CO., INC

Service code 33 · EIN 94-1737782

Shareholder servicing fees; Direct pa...

$200

CHARLES SCHWAB & CO., INC.3+ years

Filed as: CHARLES SCHWAB & CO. INC. AND AFFIL

Service code 59

Shareholder Servicing

PADDOCK PUBLICATIONS, INC. EMPLOYEES 401(K) PLAN

Top hat statement on fileNQDC

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

PADDOCK PUBLICATIONS, INC. EMPLOYEES 401(K) PLAN

Top hat statement on fileNQDC

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