Retirement plan

COLDER'S, INC. 401(K) PLAN

Name: COLDER'S, INC. - COLDER'S, INC. 401(K) PLAN (2019) 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 2019

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

+6.5% from 2018

Total participants

164

-6.8% from 2018

Average account balance

$97,888

+15.1% from 2018

Annual return

5.30%

-2.78 pp from 2018

Benchmarks

See 2,278 peers

Peer group

Industry44 - Retail Trade

Plan typeDefined contribution

Participants100-249

Cohort2,278 peers

Snapshot2019

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

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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 6 by compensation

Provider	Service type	Compensation
GREAT-WEST LIFE & ANNUITY INSURANCE4+ years Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Recordkeeping Fees	$28,825
RM STARK & CO, INC.4+ years Service code 55	Other Commissions	$10,569
RHODA, SMITH & ASSOCIATES, S.C.4+ years Service code 10 20350 WATERTOWER BLVD SUITE 20 · BROOKFIELD, WI 53045	Accounting	$6,925
BLUE CHIP RETIREMENT PLANS, INC.4+ years Service code 13 6737 W WASHINGTON ST. · MILWAUKEE, WI 53214	Contract Administrator	$6,350
ENVESTNET RETIREMENT SOLUTIONS, LLC4+ years Service code 27 1801 CALIFORNIA ST · DENVER, CO 80202	Advisory (Plan)	$5,397
RM START & CO INC.1 year Service code 55	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

$36K

$252 / participant

Contract admin$36K100.0%

% of EOY assets

0.365%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Disclaimer opinion

The auditor declined to give an opinion. This is 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

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$97,888

$49,138+99.2%

$84,015+16.5%

$65,185+50.2%

Participation rate

54.9%

60.7%-5.8pp

69.0%-14.1pp

70.2%-15.3pp

Annual return

5.30%

23.00%-17.7pp

71.31%-66.0pp

29.38%-24.1pp

Employer contribution / active EE

$914-100.0%

$1,983-100.0%

$2,177-100.0%

Participant deferral / active EE

$2,077

$2,397-13.3%

$3,239-35.9%

$3,514-40.9%

Admin fee / account holder

$358

$543-34.2%

$6,101-94.1%

$847-57.8%

Provider

Service type

Compensation

GREAT-WEST LIFE & ANNUITY INSURANCE4+ years

Service code 64

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Recordkeeping Fees

$28,825

RM STARK & CO, INC.4+ years

Service code 55

Other Commissions

$10,569

RHODA, SMITH & ASSOCIATES, S.C.4+ years

Service code 10

20350 WATERTOWER BLVD SUITE 20 · BROOKFIELD, WI 53045

Accounting

$6,925

BLUE CHIP RETIREMENT PLANS, INC.4+ years

Service code 13

6737 W WASHINGTON ST. · MILWAUKEE, WI 53214

Contract Administrator

$6,350

ENVESTNET RETIREMENT SOLUTIONS, LLC4+ years

Service code 27

1801 CALIFORNIA ST · DENVER, CO 80202

Advisory (Plan)

$5,397

RM START & CO INC.1 year

Service code 55

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