Retirement plan

SMALL NEWSPAPER GROUP RETIREMENT PLAN

Name: SMALL NEWSPAPER GROUP, INC. - SMALL NEWSPAPER GROUP RETIREMENT PLAN (2016) Form 5500
Creator: SMALL NEWSPAPER GROUP, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, SMALL NEWSPAPER GROUP RETIREMENT PLAN, SMALL NEWSPAPER GROUP, INC.

SMALL NEWSPAPER GROUP, INC.EIN 36-3279874Plan #001PY 2016

8 DEARBORN SQ - KANKAKEE, IL 609013909815-937-3311sngnews.comLinkedIn501-1000 employeesnewspapers

Prospect flagsLow returnsLow participationLow participant contribution

How to read this page

Total assets (EOY)

$34.8M

-11.8% from 2015

Total participants

832

+8.9% from 2015

Average account balance

$77,226

+0.7% from 2015

Annual return

6.37%

+6.04 pp from 2015

Benchmarks

See 503 peers

Peer group

Industry51 - Information

Plan typeDefined contribution

Participants250-999

Cohort503 peers

Snapshot2016

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

Analytics

Total assets (EOY)

Plan-year ending balance

$11.42M

Not enough data

1 years with asset history on file

Average account balance

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

$97K

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.

118

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.

0.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$51K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$2K

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

+15.01%

Not enough data

1 years with return on file

Admin fee / account holder

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

$349

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 6 by compensation

Provider	Service type	Compensation
TRANSAMERICA RETIREMENT SOLUTIONS1 year Service code 64 · EIN 13-3689044	Recordkeeping Fees	$27,329
AMERICAN REALTY ADVISORS2+ years Filed as: FIRST AMERICAN BANK Service code 64 · EIN 36-1078850 218 W MAIN ST · DUNDEE, IL 60118	Recordkeeping Fees	$13,057
MERRILL LYNCH PIERCE FENNER & SMITH2+ years Service code 64 · EIN 13-5674085 4 WORLD FINANCIAL CTR 250 VESEY ST · NEW YORK, NY 10281	Recordkeeping Fees	$1,769
MID ATLANTIC CAPITAL CORPORATION1 year Service code 71 · EIN 25-1409618	Brokerage Fees	$0
NATIONAL FINANCIAL SERVICES1 year Service code 71 · EIN 04-3523567	Brokerage Fees	$0
RBC WEALTH MANAGEMENT1 year Service code 16 60 S 6TH STREET · MINNAPOLIS, MN 55402	Consulting	$0

Plan features & details

Pension benefit codes2A2E2F2G2J2S

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.
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.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.

Opportunity flags

3 tripped

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

Expense breakdown

Schedule H Part II

Admin total

$43K

$57 / participant

Contract admin$43K100.0%

% of EOY assets

0.122%

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: PORTE BROWN LLC
Auditor EIN: 362663358
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$77,226

$56,640+36.3%

$80,977-4.6%

$57,658+33.9%

Participation rate

48.7%

75.9%-27.2pp

75.8%-27.2pp

70.2%-21.6pp

Annual return

6.37%

19.97%-13.6pp

17.11%-10.7pp

5.13%+1.2pp

Employer contribution / active EE

$2,085-100.0%

$3,715-100.0%

$1,974-100.0%

Participant deferral / active EE

$1,237

$4,944-75.0%

$5,696-78.3%

$3,061-59.6%

Admin fee / account holder

$94

$87+8.2%

$5,517-98.3%

$95-0.3%

Provider

Service type

Compensation

TRANSAMERICA RETIREMENT SOLUTIONS1 year

Service code 64 · EIN 13-3689044

Recordkeeping Fees

$27,329

AMERICAN REALTY ADVISORS2+ years

Filed as: FIRST AMERICAN BANK

Service code 64 · EIN 36-1078850

218 W MAIN ST · DUNDEE, IL 60118

Recordkeeping Fees

$13,057

MERRILL LYNCH PIERCE FENNER & SMITH2+ years

Service code 64 · EIN 13-5674085

4 WORLD FINANCIAL CTR 250 VESEY ST · NEW YORK, NY 10281

Recordkeeping Fees

$1,769

MID ATLANTIC CAPITAL CORPORATION1 year

Service code 71 · EIN 25-1409618

Brokerage Fees

NATIONAL FINANCIAL SERVICES1 year

Service code 71 · EIN 04-3523567

Brokerage Fees

RBC WEALTH MANAGEMENT1 year

Service code 16

60 S 6TH STREET · MINNAPOLIS, MN 55402

Consulting

SMALL NEWSPAPER GROUP RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

SMALL NEWSPAPER GROUP 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