Retirement plan

THE SAINT PAUL FOUNDATION SAVINGS AND RETIREMENT PLAN

Name: THE SAINT PAUL FOUNDATION, INC. - THE SAINT PAUL FOUNDATION SAVINGS AND RETIREMENT PLAN (2019) Form 5500
Creator: THE SAINT PAUL FOUNDATION, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, THE SAINT PAUL FOUNDATION SAVINGS AND RETIREMENT PLAN, THE SAINT PAUL FOUNDATION, INC.

THE SAINT PAUL FOUNDATION, INC.EIN 41-6031510Plan #002PY 2019

101 FIFTH STREET EAST, SUITE 2400 - SAINT PAUL, MN 55101651-325-4235spmcf.orgLinkedIn51-200 employeesphilanthropy

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$13M

+14.4% from 2018

Total participants

120

+0.8% from 2018

Average account balance

$109,010

+14.4% from 2018

Annual return

22.69%

+28.48 pp from 2018

Benchmarks

See 8,599 peers

Peer group

Industry81 - Other Services (except Public Administration)

Plan typeDefined contribution

Participants25-99

Cohort8,599 peers

Snapshot2019

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

Analytics

Total assets (EOY)

Plan-year ending balance

$20.64M

Not enough data

1 years with asset history on file

Average account balance

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

$171K

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.

121

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.

100.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.68M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$22K

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

+15.90%

Not enough data

1 years with return on file

Admin fee / account holder

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

$222

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

Providers data not reported

Schedule C was not filed on this plan's most recent Form 5500, so no compensated service providers are available to display.

Plan features & details

Pension benefit codes2J2R2T3D2E2F2G

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.
2R
Participant-directed brokerage accounts
Participant-directed brokerage accounts provided as an investment option under the plan.
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

$2.0M

$27451 / participant

Other / not subdivided$2M100.0%

% of EOY assets

15.448%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

No opinion code on file for this filing.

Auditor firm: (not reported)
Auditor EIN: -
Audit fees: (not subdivided)
Opinion code: -

Metric

This plan

Peer set

Industry

Size

Avg account balance

$109,010

$54,757+99.1%

$90,304+20.7%

$72,975+49.4%

Participation rate

98.6%

65.2%+33.5pp

73.3%+25.4pp

69.5%+29.1pp

Annual return

22.69%

30.63%-7.9pp

78.13%-55.4pp

81.01%-58.3pp

Employer contribution / active EE

$6,796

$2,093+224.7%

$2,855+138.0%

$2,440+178.5%

Participant deferral / active EE

$7,704

$2,887+166.8%

$3,885+98.3%

$3,608+113.5%

Admin fee / account holder

$16,840

$3,973+323.8%

$5,354+214.5%

$5,124+228.6%

THE SAINT PAUL FOUNDATION SAVINGS AND RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

THE SAINT PAUL FOUNDATION SAVINGS AND RETIREMENT 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