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 (2020) 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 2020

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

Prospect flagsLow participation

Top hat statement on fileNQDC

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

Plan administrator

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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)

$17.4M

+4.2% from 2019

Total participants

1,267

-8.1% from 2019

Average account balance

$40,581

+26.8% from 2019

Annual return

14.23%

-6.08 pp from 2019

Benchmarks

See 1,342 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants1,000-4,999

Cohort1,342 peers

Snapshot2020

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 5 by compensation

Provider	Service type	Compensation
WELLS FARGO BANK, N.A.6+ years Filed as: WELLS FARGO ADVISORS LLC Service code 27 401 S TRYON ST 11TH FL D1050-111 · CHARLOTTE, NC 28081	Advisory (Plan)	$23,793
GREAT-WEST LIFE & ANNUITY INSURANCE2 years Filed as: ADVISED ASSETS GROUP Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Investment Management	$17,453
MCMAHAN THOMSON & ASSOCIATES PC4 years Service code 10 1717 RIDGEWOOD DR STE 101 · MIDLAND, MI 48642	Accounting	$15,000
WATKINS ROSS2 years Filed as: WATKINS ROSS & COMPANY Service code 13 200 OTTAWA AVE NW, STE 600 · GRAND RAPIDS, MI 49503	Contract Administrator	$12,715
WATKINS ROSS3 years Filed as: WATKINS, ROSS & CO. Service code 13	Contract Administrator	$10,000

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

1 tripped

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

Expense breakdown

Schedule H Part II

Admin total

$34K

$29 / participant

Contract admin$13K36.9%
Other / not subdivided$22K63.1%

% of EOY assets

0.197%

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: MCMAHAN, THOMSON & ASSOCIATES, CPAS
Auditor EIN: 382749024
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$40,581

$56,095-27.7%

$178,503-77.3%

$90,274-55.0%

Participation rate

29.1%

65.6%-36.4pp

81.9%-52.8pp

73.4%-44.2pp

Annual return

14.23%

28.81%-14.6pp

151.12%-136.9pp

53.97%-39.7pp

Employer contribution / active EE

$508

$1,572-67.7%

$5,011-89.9%

$2,523-79.9%

Participant deferral / active EE

$970

$2,669-63.6%

$5,202-81.4%

$4,231-77.1%

Admin fee / account holder

$80

$101-20.5%

$13,987-99.4%

$114-29.8%

Provider

Service type

Compensation

WELLS FARGO BANK, N.A.6+ years

Filed as: WELLS FARGO ADVISORS LLC

Service code 27

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

Advisory (Plan)

$23,793

GREAT-WEST LIFE & ANNUITY INSURANCE2 years

Filed as: ADVISED ASSETS GROUP

Service code 28

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Investment Management

$17,453

MCMAHAN THOMSON & ASSOCIATES PC4 years

Service code 10

1717 RIDGEWOOD DR STE 101 · MIDLAND, MI 48642

Accounting

$15,000

WATKINS ROSS2 years

Filed as: WATKINS ROSS & COMPANY

Service code 13

200 OTTAWA AVE NW, STE 600 · GRAND RAPIDS, MI 49503

Contract Administrator

$12,715

WATKINS ROSS3 years

Filed as: WATKINS, ROSS & CO.

Service code 13

Contract Administrator

$10,000

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