Retirement plan

BWBR ARCHITECTS, INC. PROFIT SHARING AND 401(K) PLAN

Name: BWBR ARCHITECTS, INC. - BWBR ARCHITECTS, INC. PROFIT SHARING AND 401(K) PLAN (2017) Form 5500
Creator: BWBR ARCHITECTS, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, BWBR ARCHITECTS, INC. PROFIT SHARING AND 401(K) PLAN, BWBR ARCHITECTS, INC.

BWBR ARCHITECTS, INC.EIN 41-0823721Plan #001PY 2017

380 ST. PETER STREET, SUITE 600 - ST. PAUL, MN 55102651-290-1876

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$41.6M

+14.4% from 2016

Total participants

206

-5.1% from 2016

Average account balance

$205,866

+20.6% from 2016

Annual return

20.08%

+13.25 pp from 2016

Benchmarks

See 5,160 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants100-249

Cohort5,160 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$55.79M

Not enough data

1 years with asset history on file

Average account balance

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

$213K

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.

262

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.

98.9%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$4.34M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$24K

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

+15.21%

Not enough data

1 years with return on file

Admin fee / account holder

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

$310

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 6 by compensation

Provider	Service type	Compensation
MARKS GROUP WEALTH MANAGEMENT3+ years Service code 27 · EIN 26-3675041	Advisory (Plan)	$96,558
TRANSAMERICA RETIREMENT SOLUTIONS3+ years Service code 12 · EIN 13-3689044	Finders' fees / placement fees; Distr...	$13,464
CARPENTER MORSE GROUP1 year Filed as: CARPENTER EVERT & ASSOC Service code 27 · EIN 41-1534805	Advisory (Plan)	$5,000
CARPENTER EVERT AND ASSOCIATES1 year Service code 27 · EIN 41-1534805	Advisory (Plan)	$5,000
MID ATLANTIC CAPITAL CORPORATION3+ years Service code 33 · EIN 25-1409618	Securities brokerage commissions and ...	$0
NATIONAL FINANCIAL SERVICES3+ years Service code 33 · EIN 04-3523567	Securities brokerage; Securities brok...	$0

Plan features & details

Pension benefit codes2F2G2J2T3D

Plan features

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.

Opportunity flags

1 tripped

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

Expense breakdown

Schedule H Part II

Admin total

$115K

$777 / participant

Investment mgmt$97K83.9%
Other / not subdivided$18K16.1%

% of EOY assets

0.277%

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: CARPENTER EVERETT & ASSOCIATES
Auditor EIN: 411534805
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$205,866

$80,753+154.9%

$136,298+51.0%

$62,293+230.5%

Participation rate

97.3%

73.5%+23.8pp

81.9%+15.4pp

69.5%+27.8pp

Annual return

20.08%

35.83%-15.7pp

5156.27%-5136.2pp

28.90%-8.8pp

Employer contribution / active EE

$5,405

$2,884+87.4%

$4,696+15.1%

$2,042+164.7%

Participant deferral / active EE

$8,576

$5,164+66.1%

$6,247+37.3%

$3,169+170.6%

Admin fee / account holder

$569

$525+8.4%

$9,244-93.8%

$479+18.8%

Provider

Service type

Compensation

MARKS GROUP WEALTH MANAGEMENT3+ years

Service code 27 · EIN 26-3675041

Advisory (Plan)

$96,558

TRANSAMERICA RETIREMENT SOLUTIONS3+ years

Service code 12 · EIN 13-3689044

Finders' fees / placement fees; Distr...

$13,464

CARPENTER MORSE GROUP1 year

Filed as: CARPENTER EVERT & ASSOC

Service code 27 · EIN 41-1534805

Advisory (Plan)

$5,000

CARPENTER EVERT AND ASSOCIATES1 year

Service code 27 · EIN 41-1534805

Advisory (Plan)

$5,000

MID ATLANTIC CAPITAL CORPORATION3+ years

Service code 33 · EIN 25-1409618

Securities brokerage commissions and ...

NATIONAL FINANCIAL SERVICES3+ years

Service code 33 · EIN 04-3523567

Securities brokerage; Securities brok...

BWBR ARCHITECTS, INC. PROFIT SHARING AND 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

BWBR ARCHITECTS, INC. PROFIT SHARING AND 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