Retirement plan

RETURNS R US 401(K) PROFIT SHARING PLAN

Name: RETURNS R US - RETURNS R US 401(K) PROFIT SHARING PLAN (2018) Form 5500
Creator: RETURNS R US
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, RETURNS R US 401(K) PROFIT SHARING PLAN, RETURNS R US

RETURNS R USEIN 36-4083933Plan #001PY 2018

1795 N BUTTERFIELD RD. SUITE 203 - LIBERTYVILLE, IL 60048847-387-1224LinkedIn11-50 employeesmedical practice

Prospect flagsLow returnsRecently reached 100 employeesFailed to transmit contributions

How to read this page

Total assets (EOY)

$1.2M

+11.4% from 2017

Total participants

135

+53.4% from 2017

Average account balance

$10,558

-14.2% from 2017

Annual return

-13.19%

-28.05 pp from 2017

Benchmarks

See 1,003 peers

Peer group

Industry56 - Administrative and Support and Waste Management and Remediation Services

Plan typeDefined contribution

Participants100-249

Cohort1,003 peers

Snapshot2018

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

Analytics

Total assets (EOY)

Plan-year ending balance

$6.87M

Not enough data

1 years with asset history on file

Average account balance

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

$46K

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.

148

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.

70.5%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$895K

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

+10.91%

Not enough data

1 years with return on file

Admin fee / account holder

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

$286

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 2 by compensation

Provider	Service type	Compensation
EPIC RETIREMENT PLAN SERVICES2 years Filed as: RETIREMENT PLAN CONSULTANTS LLC Service code 15 125 S. 4TH STREET · NORFOLK, NE 68701	Recordkeeping	$7,276
HUBER CAPITAL MANAGEMENT1 year Filed as: HUBER FINANCIAL GROUP, LTD. Service code 26 475 HALF DAY RD · LINCOLNSHIRE, IL 60069	Advisory (Participants)	$5,705

Plan features & details

Pension benefit codes2E2J2F2G3D2T2A

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.
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

3 tripped

OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
ComplianceFailed to transmit contributions
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
InformationalRecently reached 100 employees
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.

Expense breakdown

Schedule H Part II

Admin total

$15K

$135 / participant

Investment mgmt$7K50.5%
Contract admin$7K49.5%

% of EOY assets

1.232%

all-in expense ratio

Categories reported

2 / 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: CLIFTONLARSONALLEN LLP
Auditor EIN: 410746749
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$10,558

$33,067-68.1%

$76,518-86.2%

$56,287-81.2%

Participation rate

79.8%

55.4%+24.4pp

68.0%+11.8pp

69.9%+10.0pp

Annual return

-13.19%

2.72%-15.9pp

-0.27%-12.9pp

-9.96%-3.2pp

Employer contribution / active EE

$1,299

$1,200+8.2%

$2,647-50.9%

$2,111-38.5%

Participant deferral / active EE

$1,795

$2,240-19.8%

$3,836-53.2%

$3,350-46.4%

Admin fee / account holder

$130

$537-75.8%

$4,849-97.3%

$521-75.0%

Provider

Service type

Compensation

EPIC RETIREMENT PLAN SERVICES2 years

Filed as: RETIREMENT PLAN CONSULTANTS LLC

Service code 15

125 S. 4TH STREET · NORFOLK, NE 68701

Recordkeeping

$7,276

HUBER CAPITAL MANAGEMENT1 year

Filed as: HUBER FINANCIAL GROUP, LTD.

Service code 26

475 HALF DAY RD · LINCOLNSHIRE, IL 60069

Advisory (Participants)

$5,705

RETURNS R US 401(K) PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

RETURNS R US 401(K) PROFIT SHARING 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