Retirement plan

CURTIS SQUIRE, INC. RETIREMENT SAVINGS PLAN

Name: CURTIS SQUIRE, INC. - CURTIS SQUIRE, INC. RETIREMENT SAVINGS PLAN (2017) Form 5500
Creator: CURTIS SQUIRE, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CURTIS SQUIRE, INC. RETIREMENT SAVINGS PLAN, CURTIS SQUIRE, INC.

CURTIS SQUIRE, INC.EIN 41-0661668Plan #001PY 2017

7777 GOLDEN TRIANGLE DRIVE - EDEN PRAIRIE, MN 55344612-276-1818curtissquire.comLinkedIn501-1000 employeesinvestment management

Prospect flagsLow participationLow employer contributionLow participant contributionCorrective distributions

How to read this page

Total assets (EOY)

$9.8M

+21.7% from 2016

Total participants

617

-8.0% from 2016

Average account balance

$45,879

+26.2% from 2016

Annual return

17.49%

+8.52 pp from 2016

Benchmarks

See 238 peers

Peer group

Industry55 - Management of Companies and Enterprises

Plan typeDefined contribution

Participants250-999

Cohort238 peers

Snapshot2017

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Analytics

Total assets (EOY)

Plan-year ending balance

$12.20M

Not enough data

1 years with asset history on file

Average account balance

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

$59K

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.

208

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.

80.6%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$760K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$4K

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

+13.50%

Not enough data

1 years with return on file

Admin fee / account holder

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

$419

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 10 of 22 by compensation

Provider	Service type	Compensation
MASSACHUSSETTS MUTUAL LIFE INSURANC1 year Service code 52 · EIN 04-1590850	Indirect Investment Fees	$27,952
MIDWEST PENSION & PROFIT SHARING SE3+ years Filed as: MIDWEST PENSION & PROFIT SHG SVCS Service code 13	Contract Administrator	$9,713
MERRILL LYNCH PIERCE FENNER & SMITH3+ years Service code 53	Insurance Commissions	$9,464
MERRILL LYNCH PIERCE FENNER & SMITH1 year Filed as: MERRILL LYNCH Service code 27 · EIN 13-5674085	Advisory (Plan)	$5,576
AB FUNDS1 year Service code 52 · EIN 13-4064930	Indirect Investment Fees	$0
AMERICAN CENTURY1 year Service code 52 · EIN 94-3226139	Indirect Investment Fees	$0
AMERICAN FUNDS1 year Service code 52 · EIN 95-1411037	Indirect Investment Fees	$0
COLUMBIA1 year Service code 52 · EIN 56-0906609	Indirect Investment Fees	$0
DELAWARE INVESTMENTS1 year Service code 52 · EIN 23-2450217	Indirect Investment Fees	$0
ENVESTNET RETIREMENT SOLUTIONS, LLC1 year Filed as: ENVESTNET RETIREMENT SOLUTIONS LLC Service code 27 · EIN 61-1732930	Advisory (Plan)	$0

Plan features & details

Pension benefit codes2E2F2G2J2K2T3B3D3H

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.
3B
Plan covering self-employed individuals
Plan covering self-employed individuals.
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 participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
OpportunityLow employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$28K

$48 / participant

Investment mgmt$25K88.8%
Other / not subdivided$3K11.2%

% of EOY assets

0.290%

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: BOYUM & BARENSCHEER, PLLP
Auditor EIN: 416192096
Audit fees: (not subdivided)
Opinion code: Disclaimer

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$45,879

$68,544-33.1%

$115,752-60.4%

$69,631-34.1%

Participation rate

30.8%

74.0%-43.1pp

77.8%-46.9pp

70.7%-39.9pp

Annual return

17.49%

20.97%-3.5pp

19.41%-1.9pp

27571.02%-27553.5pp

Employer contribution / active EE

$2,400-100.0%

$3,492-100.0%

$2,032-100.0%

Participant deferral / active EE

$1,507

$3,887-61.2%

$5,204-71.0%

$3,224-53.2%

Admin fee / account holder

$133

$90+47.1%

$6,278-97.9%

$110+20.4%

Provider

Service type

Compensation

MASSACHUSSETTS MUTUAL LIFE INSURANC1 year

Service code 52 · EIN 04-1590850

Indirect Investment Fees

$27,952

MIDWEST PENSION & PROFIT SHARING SE3+ years

Filed as: MIDWEST PENSION & PROFIT SHG SVCS

Service code 13

Contract Administrator

$9,713

MERRILL LYNCH PIERCE FENNER & SMITH3+ years

Service code 53

Insurance Commissions

$9,464

MERRILL LYNCH PIERCE FENNER & SMITH1 year

Filed as: MERRILL LYNCH

Service code 27 · EIN 13-5674085

Advisory (Plan)

$5,576

AB FUNDS1 year

Service code 52 · EIN 13-4064930

Indirect Investment Fees

AMERICAN CENTURY1 year

Service code 52 · EIN 94-3226139

Indirect Investment Fees

AMERICAN FUNDS1 year

Service code 52 · EIN 95-1411037

Indirect Investment Fees

COLUMBIA1 year

Service code 52 · EIN 56-0906609

Indirect Investment Fees

DELAWARE INVESTMENTS1 year

Service code 52 · EIN 23-2450217

Indirect Investment Fees

ENVESTNET RETIREMENT SOLUTIONS, LLC1 year

Filed as: ENVESTNET RETIREMENT SOLUTIONS LLC

Service code 27 · EIN 61-1732930

Advisory (Plan)

CURTIS SQUIRE, INC. RETIREMENT SAVINGS PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CURTIS SQUIRE, INC. RETIREMENT 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