Retirement plan

ST. CLOUD REFRIGERATION COMPANY PROFIT SHARING 401(K) PLAN

Name: ST. CLOUD REFRIGERATION COMPANY - ST. CLOUD REFRIGERATION COMPANY PROFIT SHARING 401(K) PLAN (2015) Form 5500
Creator: ST. CLOUD REFRIGERATION COMPANY
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, ST. CLOUD REFRIGERATION COMPANY PROFIT SHARING 401(K) PLAN, ST. CLOUD REFRIGERATION COMPANY

ST. CLOUD REFRIGERATION COMPANYEIN 41-0802798Plan #002PY 2015

604 LINCOLN AVENUE NE - ST. CLOUD, MN 56304320-251-6861LinkedIn51-200 employeesindividual & family services

Prospect flagsCorrective distributions

How to read this page

Total assets (EOY)

$18.6M

No prior year

Total participants

168

No prior year

Average account balance

$119,495

No prior year

Annual return

-1.09%

No prior year

Benchmarks

See 1,997 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants100-249

Cohort1,997 peers

Snapshot2015

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

Analytics

Total assets (EOY)

Plan-year ending balance

$49.86M

Not enough data

1 years with asset history on file

Average account balance

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

$165K

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.

303

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.

96.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$3.11M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$15K

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

+11.04%

Not enough data

1 years with return on file

Admin fee / account holder

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

$603

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

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

Service providers

Top 3 by compensation

Provider	Service type	Compensation
GREAT-WEST LIFE & ANNUITY INSURANCE1+ years Filed as: ADVISED ASSET GROUP Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Investment Management	$28,210
MILLER, WELLE, HEISER & CO, LTD1+ years Service code 10 4170 THIELMAN LN SUITE 101 · ST. CLOUD, MN 56302	Accounting	$4,600
GREAT-WEST LIFE & ANNUITY INSURANCE1+ years Filed as: GREAT-WEST LIFE & ANNUITY COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Recordkeeping Fees	$0

Plan features & details

Pension benefit codes2E2F2G2J2T3D3H

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.
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

ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$33K

$241 / participant

Investment mgmt$28K86.0%
Other / not subdivided$5K14.0%

% of EOY assets

0.176%

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: MILLER WELLE HEISER & CO., LTD
Auditor EIN: 411334380
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$119,495

$50,464+136.8%

$75,784+57.7%

$52,331+128.3%

Participation rate

91.2%

66.8%+24.4pp

75.8%+15.4pp

68.1%+23.1pp

Annual return

-1.09%

1.03%-2.1pp

9.68%-10.8pp

4.54%-5.6pp

Employer contribution / active EE

$6,487

$1,988+226.3%

$3,323+95.2%

$1,882+244.8%

Participant deferral / active EE

$4,163

$2,570+62.0%

$3,652+14.0%

$3,022+37.7%

Admin fee / account holder

$210

$1,103-80.9%

$5,300-96.0%

$592-64.4%

Provider

Service type

Compensation

GREAT-WEST LIFE & ANNUITY INSURANCE1+ years

Filed as: ADVISED ASSET GROUP

Service code 28

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Investment Management

$28,210

MILLER, WELLE, HEISER & CO, LTD1+ years

Service code 10

4170 THIELMAN LN SUITE 101 · ST. CLOUD, MN 56302

Accounting

$4,600

GREAT-WEST LIFE & ANNUITY INSURANCE1+ years

Filed as: GREAT-WEST LIFE & ANNUITY COMPANY

Service code 64

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Recordkeeping Fees

ST. CLOUD REFRIGERATION COMPANY PROFIT SHARING 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

ST. CLOUD REFRIGERATION COMPANY PROFIT SHARING 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