Retirement plan

THE PEPLINSKI GROUP, INC. PROFIT SHARING 401(K) PLAN

Name: THE PEPLINSKI GROUP, INC. - THE PEPLINSKI GROUP, INC. PROFIT SHARING 401(K) PLAN (2015) Form 5500
Creator: THE PEPLINSKI GROUP, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, THE PEPLINSKI GROUP, INC. PROFIT SHARING 401(K) PLAN, THE PEPLINSKI GROUP, INC.

THE PEPLINSKI GROUP, INC.EIN 38-3561614Plan #003PY 2015

2532 WEST CADILLAC DRIVE, P.O. BOX 579 - FARWELL, MI 48622989-588-3547peplinskigroup.comLinkedIn1001-5000 employeesmedical practice

Prospect flagsLow returnsLow participationFailed to transmit contributions

Top hat statement on fileNQDC

Filed August 16, 2021 (most recent of 3 filings on file)

Plan administrator

Plan administrator name— Sign in and upgrade to view

2532 W. Cadillac Drive, PO Box 579

Farwell, MI 48622

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Plans declared (1)

The Peplinski Group, Inc. Deferred Compensation Agreement4 emp

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Total assets (EOY)

$10.2M

No prior year

Total participants

833

No prior year

Average account balance

$22,193

No prior year

Annual return

-1.86%

No prior year

Benchmarks

See 3,168 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants250-999

Cohort3,168 peers

Snapshot2015

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

Analytics

Total assets (EOY)

Plan-year ending balance

$21.11M

Not enough data

1 years with asset history on file

Average account balance

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

$58K

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.

365

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.

29.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.73M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$2K

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

+13.99%

Not enough data

1 years with return on file

Admin fee / account holder

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

$346

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 6 by compensation

Provider	Service type	Compensation
BRONFMAN E.L. ROTHSCHILD1+ years Service code 13 · EIN 39-1908691	Contract Administrator	$16,412
WELLS FARGO BANK, N.A.1+ years Filed as: WELLS FARGO ADVISORS, LLC Service code 55	Other Commissions	$16,068
GREAT-WEST LIFE & ANNUITY INSURANCE1+ years Filed as: ADVISED ASSET GROUP Service code 28 8515 EACH ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Investment Management	$7,558
GREAT-WEST LIFE & ANNUITY INSURANCE1+ years Filed as: GREAT-WEST LIFE & ANNUITY COMPANY Service code 50 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Direct Payment	$4,070
HORNER TOWNSEND & KENT INC1+ years Filed as: HORNER TOWNSEND & KENT INC. Service code 55 600 DRESHAR RD #CIC · HORSHAM, PA 19044	Other Commissions	$3,551
WELLS FARGO BANK, N.A.1+ years Filed as: WELLS FARGO ADVISORS LLC Service code 55 401 S TRYON ST 11TH FL D1050-111 · CHARLOTTE, NC 28081	Other Commissions	$0

Plan features & details

Pension benefit codes2E2F2G2J2K3D3H2T

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.
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.
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

3 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).

Expense breakdown

Schedule H Part II

Admin total

$19K

$25 / participant

Investment mgmt$8K39.6%
Contract admin$5K24.4%
Other / not subdivided$7K36.0%

% of EOY assets

0.187%

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: ABRAMSON BRAUN AND ERFOURTH PC
Auditor EIN: 382869100
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$22,193

$37,117-40.2%

$147,617-85.0%

$55,191-59.8%

Participation rate

51.7%

63.6%-11.9pp

84.6%-32.9pp

69.2%-17.4pp

Annual return

-1.86%

3.44%-5.3pp

61.98%-63.8pp

10.78%-12.6pp

Employer contribution / active EE

$692

$1,620-57.3%

$5,564-87.6%

$1,899-63.6%

Participant deferral / active EE

$1,130

$1,985-43.1%

$4,895-76.9%

$3,046-62.9%

Admin fee / account holder

$42

$86-51.4%

$11,612-99.6%

$91-54.2%

Provider

Service type

Compensation

BRONFMAN E.L. ROTHSCHILD1+ years

Service code 13 · EIN 39-1908691

Contract Administrator

$16,412

WELLS FARGO BANK, N.A.1+ years

Filed as: WELLS FARGO ADVISORS, LLC

Service code 55

Other Commissions

$16,068

GREAT-WEST LIFE & ANNUITY INSURANCE1+ years

Filed as: ADVISED ASSET GROUP

Service code 28

8515 EACH ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Investment Management

$7,558

GREAT-WEST LIFE & ANNUITY INSURANCE1+ years

Filed as: GREAT-WEST LIFE & ANNUITY COMPANY

Service code 50

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Direct Payment

$4,070

HORNER TOWNSEND & KENT INC1+ years

Filed as: HORNER TOWNSEND & KENT INC.

Service code 55

600 DRESHAR RD #CIC · HORSHAM, PA 19044

Other Commissions

$3,551

WELLS FARGO BANK, N.A.1+ years

Filed as: WELLS FARGO ADVISORS LLC

Service code 55

401 S TRYON ST 11TH FL D1050-111 · CHARLOTTE, NC 28081

Other Commissions

THE PEPLINSKI GROUP, INC. PROFIT SHARING 401(K) PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

THE PEPLINSKI GROUP, INC. PROFIT SHARING 401(K) PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

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