Retirement plan

COLDER'S, INC. 401(K) PLAN

Name: COLDER'S, INC. - COLDER'S, INC. 401(K) PLAN (2017) Form 5500
Creator: COLDER'S, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, COLDER'S, INC. 401(K) PLAN, COLDER'S, INC.

COLDER'S, INC.EIN 39-1750149Plan #001PY 2017

333 SOUTH 108TH STREET - WEST ALLIS, WI 53214414-476-1574

Prospect flagsLow returnsHigh feesLow participationLow employer contribution

How to read this page

Total assets (EOY)

$9.8M

+6.3% from 2016

Total participants

182

+1.1% from 2016

Average account balance

$88,631

+5.4% from 2016

Annual return

10.90%

+10.74 pp from 2016

Benchmarks

See 2,319 peers

Peer group

Industry44 - Retail Trade

Plan typeDefined contribution

Participants100-249

Cohort2,319 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$9.48M

Not enough data

1 years with asset history on file

Average account balance

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

$67K

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.

142

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.

82.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$361K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$3K

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

+12.95%

Not enough data

1 years with return on file

Admin fee / account holder

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

$256

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
GREAT-WEST LIFE & ANNUITY INSURANCE2+ years Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Recordkeeping Fees	$28,460
RM STARK & CO, INC.2+ years Service code 55	Other Commissions	$10,361
BLUE CHIP RETIREMENT PLANS, INC.2+ years Service code 13 6737 W WASHINGTON ST. · MILWAUKEE, WI 53214	Contract Administrator	$9,877
RHODA, SMITH & ASSOCIATES, S.C.2+ years Service code 10 20350 WATERTOWER BLVD SUITE 20 · BROOKFIELD, WI 53045	Accounting	$8,075
ENVESTNET RETIREMENT SOLUTIONS, LLC2+ years Service code 27 1801 CALIFORNIA ST · DENVER, CO 80202	Advisory (Plan)	$5,562
GREAT-WEST LIFE & ANNUITY INSURANCE2+ years Filed as: EMPOWER RETIREMENT ADVISORY SERVICE Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Investment Management	$1
RM STARK & CO, INC.2+ years Filed as: RM STARK & CO INC. Service code 55 701 SE 6TH AVE STE 203 · DELRAY BEACH, FL 33483	Other Commissions	$0

Plan features & details

Pension benefit codes2E2F2G2J2K2T3D3H

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

4 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityLow employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.
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.

Expense breakdown

Schedule H Part II

Admin total

$37K

$228 / participant

Contract admin$37K100.0%

% of EOY assets

0.371%

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: RHODA, SMITH & ASSOCIATES, SC
Auditor EIN: 391684354
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$88,631

$51,466+72.2%

$78,778+12.5%

$62,293+42.3%

Participation rate

55.6%

59.8%-4.2pp

69.2%-13.6pp

69.5%-13.9pp

Annual return

10.90%

19.96%-9.1pp

35.62%-24.7pp

28.90%-18.0pp

Employer contribution / active EE

$827-100.0%

$1,986-100.0%

$2,042-100.0%

Participant deferral / active EE

$1,741

$2,147-18.9%

$2,958-41.2%

$3,169-45.1%

Admin fee / account holder

$329

$489-32.7%

$5,134-93.6%

$479-31.3%

Provider

Service type

Compensation

GREAT-WEST LIFE & ANNUITY INSURANCE2+ years

Service code 64

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Recordkeeping Fees

$28,460

RM STARK & CO, INC.2+ years

Service code 55

Other Commissions

$10,361

BLUE CHIP RETIREMENT PLANS, INC.2+ years

Service code 13

6737 W WASHINGTON ST. · MILWAUKEE, WI 53214

Contract Administrator

$9,877

RHODA, SMITH & ASSOCIATES, S.C.2+ years

Service code 10

20350 WATERTOWER BLVD SUITE 20 · BROOKFIELD, WI 53045

Accounting

$8,075

ENVESTNET RETIREMENT SOLUTIONS, LLC2+ years

Service code 27

1801 CALIFORNIA ST · DENVER, CO 80202

Advisory (Plan)

$5,562

GREAT-WEST LIFE & ANNUITY INSURANCE2+ years

Filed as: EMPOWER RETIREMENT ADVISORY SERVICE

Service code 28

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Investment Management

RM STARK & CO, INC.2+ years

Filed as: RM STARK & CO INC.

Service code 55

701 SE 6TH AVE STE 203 · DELRAY BEACH, FL 33483

Other Commissions

COLDER'S, INC. 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

COLDER'S, 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