Retirement plan

COMBINE INTERNATIONAL, INC. 401(K) PLAN

Name: COMBINE INTERNATIONAL, INC. - COMBINE INTERNATIONAL, INC. 401(K) PLAN (2015) Form 5500
Creator: COMBINE INTERNATIONAL, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, COMBINE INTERNATIONAL, INC. 401(K) PLAN, COMBINE INTERNATIONAL, INC.

COMBINE INTERNATIONAL, INC.EIN 38-2160071Plan #001PY 2015

354 INDUSCO COURT - TROY, MI 48083248-585-9905combine.comLinkedIn1-10 employeeswholesale

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$8.4M

No prior year

Total participants

103

No prior year

Average account balance

$101,520

No prior year

Annual return

-1.41%

No prior year

Benchmarks

See 8,334 peers

Peer group

Industry42 - Wholesale Trade

Plan typeDefined contribution

Participants25-99

Cohort8,334 peers

Snapshot2015

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

Analytics

Total assets (EOY)

Plan-year ending balance

$12.20M

Not enough data

1 years with asset history on file

Average account balance

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

$182K

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.

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.

131.4%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$304K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$6K

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

+10.32%

Not enough data

1 years with return on file

Admin fee / account holder

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

$14106

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

0 years with F_SCH_H allocation on file

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

Service providers

Top 5 by compensation

Provider	Service type	Compensation
INVEST FINANCIAL CORPORATION1+ years Filed as: INVEST FINANCIAL Service code 49	Other Services	$86,191
NATIONWIDE1+ years Service code 15 ONE NATIONWIDE PLAZA · COLUMBUS, OH 43215	Recordkeeping	$84,060
REHMANN ROBSON1+ years Filed as: REHMANN FINANCIAL GROUP Service code 15 1500 BIG BEAVER RD 2ND FLOOR · TROY, MI 48084	Recordkeeping	$8,959
NPH1+ years Service code 49 401 WILSHIRE BLVD · SANTA MONICA, CA 90401	Other Services	$881
INVEST FINANCIAL CORPORATION1+ years Service code 49 5555 GRANDE MARKET DR · APPLETON, WI 54913	Other Services	$0

Plan features & details

Pension benefit codes2E2F2G2J2K3D

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.
2K
Code section 401(m) arrangement
Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
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

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)

Expense breakdown

Schedule H Part II

Admin total

$93K

$1121 / participant

Contract admin$84K90.4%
Other / not subdivided$9K9.6%

% of EOY assets

1.104%

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: FENNER, MELSTROM & DOOLING PLC
Auditor EIN: 381402622
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$101,520

$65,704+54.5%

$94,229+7.7%

$59,633+70.2%

Participation rate

75.9%

72.1%+3.8pp

78.8%-2.9pp

68.7%+7.2pp

Annual return

-1.41%

5.22%-6.6pp

10.68%-12.1pp

2041.45%-2042.9pp

Employer contribution / active EE

$2,021-100.0%

$3,587-100.0%

$2,203-100.0%

Participant deferral / active EE

$3,558

$3,143+13.2%

$4,320-17.6%

$3,192+11.5%

Admin fee / account holder

$1,121

$4,265-73.7%

$6,269-82.1%

$4,297-73.9%

Provider

Service type

Compensation

INVEST FINANCIAL CORPORATION1+ years

Filed as: INVEST FINANCIAL

Service code 49

Other Services

$86,191

NATIONWIDE1+ years

Service code 15

ONE NATIONWIDE PLAZA · COLUMBUS, OH 43215

Recordkeeping

$84,060

REHMANN ROBSON1+ years

Filed as: REHMANN FINANCIAL GROUP

Service code 15

1500 BIG BEAVER RD 2ND FLOOR · TROY, MI 48084

Recordkeeping

$8,959

NPH1+ years

Service code 49

401 WILSHIRE BLVD · SANTA MONICA, CA 90401

Other Services

$881

INVEST FINANCIAL CORPORATION1+ years

Service code 49

5555 GRANDE MARKET DR · APPLETON, WI 54913

Other Services

COMBINE INTERNATIONAL, INC. 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

COMBINE INTERNATIONAL, INC. 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