Retirement plan

C.U. COMPANIES 401(K) PLAN

Name: C.U. MORTGAGE SERVICES, INC. - C.U. COMPANIES 401(K) PLAN (2016) Form 5500
Creator: C.U. MORTGAGE SERVICES, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, C.U. COMPANIES 401(K) PLAN, C.U. MORTGAGE SERVICES, INC.

C.U. MORTGAGE SERVICES, INC.EIN 41-1592297Plan #001PY 2016

500 MAIN STREET, SUITE 100 - NEW BRIGHTON, MN 55112651-631-3111

Prospect flagsLow returns

Top hat statement on fileNQDC

Filed March 18, 2019

Plan administrator

Plan administrator name— Sign in and upgrade to view

500 Main Street

New Brighton State: MN Zip Code: 55112

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Plans declared (1)

Deferred Compensation Plan1 emp

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Total assets (EOY)

$4.4M

No prior year

Total participants

154

No prior year

Average account balance

$33,792

No prior year

Annual return

6.29%

No prior year

Benchmarks

See 2,214 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants100-249

Cohort2,214 peers

Snapshot2016

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

Analytics

Total assets (EOY)

Plan-year ending balance

$18.11M

Not enough data

1 years with asset history on file

Average account balance

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

$90K

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.

201

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.

82.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.47M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$8K

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

+20.78%

Not enough data

1 years with return on file

Admin fee / account holder

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

$378

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 2 by compensation

Provider	Service type	Compensation
CETERA ADVISOR NETWORKS LLC1+ years Filed as: CETERA ADVISOR NETWORKS, LLC Service code 70 6444 MERE DR · EDEN PRAIRIE, MN 55346	Consulting Fees	$0
FIRST MERCANTILE TRUST COMPANY1+ years Service code 62 · EIN 62-0951563	Recordkeeping fees; Insurance mortali...	$0

Plan features & details

Pension benefit codes2E2F2G2J2K3D

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.
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

OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$12K

$98 / participant

Investment mgmt$12K100.0%

% of EOY assets

0.281%

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: WIPFLI LLP
Auditor EIN: 390758449
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$33,792

$74,089-54.4%

$133,975-74.8%

$55,167-38.7%

Participation rate

81.9%

84.3%-2.4pp

87.1%-5.2pp

69.0%+12.9pp

Annual return

6.29%

12.11%-5.8pp

29.29%-23.0pp

169.23%-162.9pp

Employer contribution / active EE

$1,574

$3,064-48.6%

$5,211-69.8%

$1,963-19.8%

Participant deferral / active EE

$2,610

$4,678-44.2%

$6,282-58.5%

$3,054-14.6%

Admin fee / account holder

$95

$458-79.3%

$9,324-99.0%

$504-81.2%

Provider

Service type

Compensation

CETERA ADVISOR NETWORKS LLC1+ years

Filed as: CETERA ADVISOR NETWORKS, LLC

Service code 70

6444 MERE DR · EDEN PRAIRIE, MN 55346

Consulting Fees

FIRST MERCANTILE TRUST COMPANY1+ years

Service code 62 · EIN 62-0951563

Recordkeeping fees; Insurance mortali...

C.U. COMPANIES 401(K) PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

C.U. COMPANIES 401(K) PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

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