Retirement plan

ROTH TRUCKING, INC. 401(K) RETIREMENT PLAN

Name: ROTH TRUCKING, INC. - ROTH TRUCKING, INC. 401(K) RETIREMENT PLAN (2018) Form 5500
Creator: ROTH TRUCKING, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, ROTH TRUCKING, INC. 401(K) RETIREMENT PLAN, ROTH TRUCKING, INC.

ROTH TRUCKING, INC.EIN 38-2079555Plan #002PY 2018

3171 4 MILE RD NW - GRAND RAPIDS, MI 495449401616-784-1341

Prospect flagsLow assets / participantLow participant contribution

How to read this page

Total assets (EOY)

$2.8M

-38.8% from 2017

Total participants

220

-2.7% from 2017

Average account balance

$13,321

-37.7% from 2017

Annual return

-2.64%

-14.74 pp from 2017

Benchmarks

See 1,072 peers

Peer group

Industry48 - Transportation and Warehousing

Plan typeDefined contribution

Participants100-249

Cohort1,072 peers

Snapshot2018

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

Analytics

Total assets (EOY)

Plan-year ending balance

$3.28M

Not enough data

1 years with asset history on file

Average account balance

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

$21K

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.

158

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.

96.8%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$617K

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

+8.76%

Not enough data

1 years with return on file

Admin fee / account holder

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

$231

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

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Service providers

Top 7 by compensation

Provider	Service type	Compensation
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290	Contract Administrator	$37,782
WILLIAM BLAIR1 year Filed as: WILLIAM E HAMM AND ASSOCIATES INC. Service code 27 · EIN 59-3331424	Advisory (Plan)	$10,587
GOODLANDER SWETT & RYBIC1 year Service code 10 · EIN 20-3618579	Accounting	$9,800
ADVANTAGE BENEFITS CONSULTANTS INC1 year Filed as: ADVANTAGE FINANCIAL SERVICES Service code 10 4462 PLANFIELD AVE NE · GRAND RAPIDS, MI 49525	Accounting	$7,525
PRINCIPAL LIFE INSURANCE COMPANY1 year Filed as: PRINCIPAL SECURITIES INC. Service code 49	Other Services	$2,132
PRINCIPAL LIFE INSURANCE COMPANY1 year Filed as: PRINCIPAL SECURITIES, INC. Service code 49 · EIN 42-0941553	Other Services	$0
WILSHIRE ASSOCIATES INCORPORATED4+ years Service code 27 · EIN 95-2755361	Advisory (Plan)	$0

Plan features & details

Pension benefit codes2A2E2J2F2G3D3H

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.
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.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

2 tripped

OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
OpportunityLow assets / participant
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.

Expense breakdown

Schedule H Part II

Admin total

$57K

$316 / participant

Investment mgmt$1K1.8%
Other / not subdivided$56K98.2%

% of EOY assets

2.042%

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: GOODLANDER, SWETT & RYBICKI
Auditor EIN: 203618579
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$13,321

$42,396-68.6%

$67,313-80.2%

$56,289-76.3%

Participation rate

94.5%

61.0%+33.5pp

69.1%+25.4pp

69.9%+24.6pp

Annual return

-2.64%

-36.63%+34.0pp

-4.08%+1.4pp

-9.96%+7.3pp

Employer contribution / active EE

$3,407

$1,414+141.0%

$2,566+32.8%

$2,111+61.4%

Participant deferral / active EE

$713

$2,360-69.8%

$3,568-80.0%

$3,350-78.7%

Admin fee / account holder

$272

$510-46.6%

$4,507-94.0%

$521-47.8%

Provider

Service type

Compensation

PRINCIPAL LIFE INSURANCE COMPANY4+ years

Service code 13 · EIN 42-0127290

Contract Administrator

$37,782

WILLIAM BLAIR1 year

Filed as: WILLIAM E HAMM AND ASSOCIATES INC.

Service code 27 · EIN 59-3331424

Advisory (Plan)

$10,587

GOODLANDER SWETT & RYBIC1 year

Service code 10 · EIN 20-3618579

Accounting

$9,800

ADVANTAGE BENEFITS CONSULTANTS INC1 year

Filed as: ADVANTAGE FINANCIAL SERVICES

Service code 10

4462 PLANFIELD AVE NE · GRAND RAPIDS, MI 49525

Accounting

$7,525

PRINCIPAL LIFE INSURANCE COMPANY1 year

Filed as: PRINCIPAL SECURITIES INC.

Service code 49

Other Services

$2,132

PRINCIPAL LIFE INSURANCE COMPANY1 year

Filed as: PRINCIPAL SECURITIES, INC.

Service code 49 · EIN 42-0941553

Other Services

WILSHIRE ASSOCIATES INCORPORATED4+ years

Service code 27 · EIN 95-2755361

Advisory (Plan)

ROTH TRUCKING, INC. 401(K) RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

ROTH TRUCKING, INC. 401(K) 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