Retirement plan

ERBA EMPLOYEE'S 401(K) PLAN

Name: EMBARRAS RIVER BASIN AGENCY, INC. - ERBA EMPLOYEE'S 401(K) PLAN (2018) Form 5500
Creator: EMBARRAS RIVER BASIN AGENCY, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, ERBA EMPLOYEE'S 401(K) PLAN, EMBARRAS RIVER BASIN AGENCY, INC.

EMBARRAS RIVER BASIN AGENCY, INC.EIN 37-0890281Plan #002PY 2018

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)

$2.8M

-3.7% from 2017

Total participants

151

0.0% from 2017

Average account balance

$18,666

-6.9% from 2017

Annual return

-4.50%

-21.49 pp from 2017

Benchmarks

See 5,259 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants100-249

Cohort5,259 peers

Snapshot2018

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
AMERICAN FUNDS2 years Filed as: CAPITAL RESEARCH AND MANAGEMENT CO. Service code 21 12711 N. MERIDIAN STREET · CARMEL, IN 46036	Bank Trustee	$13,575
SIKICH LLP4+ years Service code 10 3201 W. WHITE OAKS DR, SUITE 102 · SPRINGFIELD, IL 62704	Accounting	$7,150

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

$21K

$161 / participant

Investment mgmt$14K65.5%
Other / not subdivided$7K34.5%

% of EOY assets

0.740%

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

$18,666

$47,977-61.1%

$154,108-87.9%

$56,289-66.8%

Participation rate

99.2%

66.2%+33.1pp

83.0%+16.2pp

69.9%+29.4pp

Annual return

-4.50%

3.54%-8.0pp

735.21%-739.7pp

-9.96%+5.5pp

Employer contribution / active EE

$1,991

$2,169-8.2%

$5,298-62.4%

$2,111-5.7%

Participant deferral / active EE

$712

$2,392-70.2%

$5,081-86.0%

$3,350-78.7%

Admin fee / account holder

$138

$438-68.5%

$13,411-99.0%

$521-73.5%

Provider

Service type

Compensation

AMERICAN FUNDS2 years

Filed as: CAPITAL RESEARCH AND MANAGEMENT CO.

Service code 21

12711 N. MERIDIAN STREET · CARMEL, IN 46036

Bank Trustee

$13,575

SIKICH LLP4+ years

Service code 10

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

Accounting

$7,150

ERBA EMPLOYEE'S 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

ERBA EMPLOYEE'S 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