Retirement plan

EMPLOYEES' PROFIT SHARING & SAVINGS PLAN

Name: P & S INVESTMENT COMPANY, INC. - EMPLOYEES' PROFIT SHARING & SAVINGS PLAN (2021) Form 5500
Creator: P & S INVESTMENT COMPANY, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, EMPLOYEES' PROFIT SHARING & SAVINGS PLAN, P & S INVESTMENT COMPANY, INC.

P & S INVESTMENT COMPANY, INC.EIN 39-1372431Plan #002PY 2021

2100 RIVERSIDE DRIVE - GREEN BAY, WI 543012375920-339-2500LinkedIn201-500 employeestransportation/trucking/railroad

Prospect flagsLow returnsHigh feesFailed to transmit contributions

How to read this page

Total assets (EOY)

$13.2M

-3.6% from 2020

Total participants

237

+8.2% from 2020

Average account balance

$65,620

+4.6% from 2020

Annual return

11.03%

-3.73 pp from 2020

Benchmarks

See 1,070 peers

Peer group

Industry48 - Transportation and Warehousing

Plan typeDefined contribution

Participants100-249

Cohort1,070 peers

Snapshot2021

See peer percentile detail. $4.99 for your first month.

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Analytics

Total assets (EOY)

Plan-year ending balance

$12.26M

Not enough data

1 years with asset history on file

Average account balance

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

$32K

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.

385

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.

98.1%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.36M

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

+28.51%

Not enough data

1 years with return on file

Admin fee / account holder

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

$172

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 1 by compensation

Provider	Service type	Compensation
ASSOCIATED TRUST COMPANY, N.A.7+ years Service code 15 · EIN 30-0219031	Recordkeeping	$66,742

Plan features & details

Pension benefit codes2A2E2F2G2J2R2T3H

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.
2R
Participant-directed brokerage accounts
Participant-directed brokerage accounts provided as an investment option under the plan.
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.
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

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

$67K

$355 / participant

Investment mgmt$61K92.1%
Other / not subdivided$5K7.9%

% of EOY assets

0.506%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

The auditor signed off without reservation. This is the cleanest opinion.

Auditor firm: CLIFTONLARSONALLEN LLP
Auditor EIN: 410746749
Audit fees: (not subdivided)
Opinion code: Unqualified

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$65,620

$60,776+8.0%

$85,682-23.4%

$79,386-17.3%

Participation rate

80.9%

62.1%+18.8pp

69.9%+11.0pp

70.7%+10.1pp

Annual return

11.03%

16.57%-5.5pp

21.49%-10.5pp

116.85%-105.8pp

Employer contribution / active EE

$2,287

$1,663+37.5%

$2,618-12.6%

$2,427-5.8%

Participant deferral / active EE

$1,386

$2,919-52.5%

$3,923-64.7%

$4,046-65.7%

Admin fee / account holder

$332

$438-24.3%

$6,873-95.2%

$626-47.0%

Provider

Service type

Compensation

ASSOCIATED TRUST COMPANY, N.A.7+ years

Service code 15 · EIN 30-0219031

Recordkeeping

$66,742

EMPLOYEES' PROFIT SHARING & SAVINGS PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

EMPLOYEES' PROFIT SHARING & SAVINGS 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