Retirement plan

ERBA EMPLOYEES 401(K) PLAN

Name: EMBARRAS RIVER BASIN AGENCY, INC. - ERBA EMPLOYEES 401(K) PLAN (2015) Form 5500
Creator: EMBARRAS RIVER BASIN AGENCY, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, ERBA EMPLOYEES 401(K) PLAN, EMBARRAS RIVER BASIN AGENCY, INC.

EMBARRAS RIVER BASIN AGENCY, INC.EIN 37-0890281Plan #002PY 2015

400 WEST PLEASANT STREET - GREENUP, IL 62428217-923-3113erbainc.orgLinkedIn51-200 employeescivic & social organization

Prospect flagsLow participant contribution

How to read this page

Total assets (EOY)

$2.7M

No prior year

Total participants

134

No prior year

Average account balance

$18,743

No prior year

Annual return

-0.55%

No prior year

Benchmarks

See 4,452 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants100-249

Cohort4,452 peers

Snapshot2015

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

Analytics

Total assets (EOY)

Plan-year ending balance

$4.62M

Not enough data

1 years with asset history on file

Average account balance

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

$28K

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.

168

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.

95.6%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$521K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$4K

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

+13.35%

Not enough data

1 years with return on file

Admin fee / account holder

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

$276

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
SIKICH LLP1+ years Service code 10 3201 W. WHITE OAKS DR, SUITE 102 · SPRINGFIELD, IL 62704	Accounting	$8,500
MCCLOUD CONSULTING GROUP1+ years Filed as: MCCLOUD & ASSOCIATES, INC Service code 21 200 W. MILL STREET · LIBERTY, MO 64068	Bank Trustee	$7,503

Plan features & details

Pension benefit codes2E2F2G2J3D

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.
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 participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$12K

$90 / participant

Investment mgmt$6K50.2%
Other / not subdivided$6K49.8%

% of EOY assets

0.450%

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: SIKICH LLP
Auditor EIN: 363168081
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$18,743

$46,360-59.6%

$147,617-87.3%

$52,331-64.2%

Participation rate

100.0%

64.9%+35.1pp

84.6%+15.4pp

68.1%+31.9pp

Annual return

-0.55%

1.62%-2.2pp

61.98%-62.5pp

4.54%-5.1pp

Employer contribution / active EE

$1,723

$2,126-18.9%

$5,564-69.0%

$1,882-8.4%

Participant deferral / active EE

$594

$2,258-73.7%

$4,895-87.9%

$3,022-80.3%

Admin fee / account holder

$84

$766-89.0%

$11,612-99.3%

$592-85.7%

Provider

Service type

Compensation

SIKICH LLP1+ years

Service code 10

3201 W. WHITE OAKS DR, SUITE 102 · SPRINGFIELD, IL 62704

Accounting

$8,500

MCCLOUD CONSULTING GROUP1+ years

Filed as: MCCLOUD & ASSOCIATES, INC

Service code 21

200 W. MILL STREET · LIBERTY, MO 64068

Bank Trustee

$7,503

ERBA EMPLOYEES 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

ERBA EMPLOYEES 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