Retirement plan

LARRY ROESCH FAMILY AUTO GROUP 401(K) PLAN

Name: LARRY ROESCH FAMILY AUTO GROUP - LARRY ROESCH FAMILY AUTO GROUP 401(K) PLAN (2016) Form 5500
Creator: LARRY ROESCH FAMILY AUTO GROUP
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, LARRY ROESCH FAMILY AUTO GROUP 401(K) PLAN, LARRY ROESCH FAMILY AUTO GROUP

LARRY ROESCH FAMILY AUTO GROUPEIN 36-2894859Plan #001PY 2016

200 WEST GRAND AVENUE - ELMHURST, IL 60126630-860-0400larryroesch.comLinkedIn51-200 employeesretail

Prospect flagsLow participation

How to read this page

Total assets (EOY)

$5.9M

+7.9% from 2015

Total participants

175

+2.3% from 2015

Average account balance

$55,321

+5.9% from 2015

Annual return

7.55%

+9.12 pp from 2015

Benchmarks

See 2,356 peers

Peer group

Industry44 - Retail Trade

Plan typeDefined contribution

Participants100-249

Cohort2,356 peers

Snapshot2016

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

Analytics

Total assets (EOY)

Plan-year ending balance

$9.42M

Not enough data

1 years with asset history on file

Average account balance

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

$80K

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.

117

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.

63.7%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$375K

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

+13.01%

Not enough data

1 years with return on file

Admin fee / account holder

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

$338

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 4 by compensation

Provider	Service type	Compensation
HORNER TOWNSEND & KENT INC1 year Filed as: HORNER TOWNSEND AND KENT INC Service code 55 600 DRESHER ROAD · HORSHAM, PA 19044	Other Commissions	$12,182
AXA EQUITABLE LIFE INSURANCE CO2+ years Filed as: AXA ADVISORS Service code 55 1290 AVENUE OF THE AMERICAS · NEW YORK, NY 10104	Other Commissions	$7,817
CONSULTING ACTUARIAL GROUP, INC.2+ years Service code 13 · EIN 36-3392953	Contract Administrator	$5,365
CUKIERSKI AND KOWAL LLC2+ years Filed as: CUKIERSKI & KOWAL, LLC Service code 10 · EIN 36-4239322	Accounting	$5,000

Plan features & details

Pension benefit codes2E2F2G2J2K2T3D

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

1 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.

Expense breakdown

Schedule H Part II

Admin total

$10K

$78 / participant

Contract admin$4K40.1%
Other / not subdivided$6K59.9%

% of EOY assets

0.175%

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: CUKIERSKI & COCHRANE, LLC
Auditor EIN: 364239322
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$55,321

$42,546+30.0%

$71,796-22.9%

$55,167+0.3%

Participation rate

48.5%

59.1%-10.6pp

69.1%-20.6pp

69.0%-20.5pp

Annual return

7.55%

12.36%-4.8pp

78.04%-70.5pp

169.23%-161.7pp

Employer contribution / active EE

$420

$803-47.8%

$1,924-78.2%

$1,963-78.6%

Participant deferral / active EE

$1,487

$2,064-28.0%

$2,794-46.8%

$3,054-51.3%

Admin fee / account holder

$97

$650-85.1%

$4,815-98.0%

$504-80.8%

Provider

Service type

Compensation

HORNER TOWNSEND & KENT INC1 year

Filed as: HORNER TOWNSEND AND KENT INC

Service code 55

600 DRESHER ROAD · HORSHAM, PA 19044

Other Commissions

$12,182

AXA EQUITABLE LIFE INSURANCE CO2+ years

Filed as: AXA ADVISORS

Service code 55

1290 AVENUE OF THE AMERICAS · NEW YORK, NY 10104

Other Commissions

$7,817

CONSULTING ACTUARIAL GROUP, INC.2+ years

Service code 13 · EIN 36-3392953

Contract Administrator

$5,365

CUKIERSKI AND KOWAL LLC2+ years

Filed as: CUKIERSKI & KOWAL, LLC

Service code 10 · EIN 36-4239322

Accounting

$5,000

LARRY ROESCH FAMILY AUTO GROUP 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

LARRY ROESCH FAMILY AUTO GROUP 401(K) 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