Retirement plan

RUETER & ZENOR COMPANY PROFIT SHARING PLAN

Name: RUETER & ZENOR COMPANY - RUETER & ZENOR COMPANY PROFIT SHARING PLAN (2024) Form 5500
Creator: RUETER & ZENOR COMPANY
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, RUETER & ZENOR COMPANY PROFIT SHARING PLAN, RUETER & ZENOR COMPANY

RUETER & ZENOR COMPANYEIN 42-1011871Plan #001PY 2024

PO BOX 227 - GRAND JUNCTION, IA 501070227515-738-2571

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$3.9M

+30.1% from 2023

Total participants

114

-7.3% from 2023

Average account balance

$41,087

+23.2% from 2023

Annual return

15.62%

+5.40 pp from 2023

Benchmarks

See 2,313 peers

Peer group

Industry44 - Retail Trade

Plan typeDefined contribution

Participants100-249

Cohort2,313 peers

Snapshot2024

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

Analytics

Total assets (EOY)

Plan-year ending balance

$4.44M

Not enough data

1 years with asset history on file

Average account balance

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

$45K

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.

Not enough data

0 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

0.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$535K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$5K

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

+12.77%

Not enough data

1 years with return on file

Admin fee / account holder

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

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

0 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 codes2E2H2J3D2F

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).
2H
Partial participant-directed account plan
Participants have the opportunity to direct the investment of a portion 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.
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

$206K

$1804 / participant

Other / not subdivided$206K100.0%

% of EOY assets

5.325%

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

$41,087

$59,456-30.9%

$93,669-56.1%

$74,429-44.8%

Participation rate

82.5%

59.6%+22.8pp

68.7%+13.7pp

67.2%+15.2pp

Annual return

15.62%

82.00%-66.4pp

133.59%-118.0pp

1368.38%-1352.8pp

Employer contribution / active EE

$1,423

$1,266+12.4%

$2,424-41.3%

$2,625-45.8%

Participant deferral / active EE

$3,875

$3,052+27.0%

$4,416-12.3%

$4,348-10.9%

Admin fee / account holder

$2,188

$3,026-27.7%

$8,291-73.6%

$1,944+12.5%

RUETER & ZENOR COMPANY PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

RUETER & ZENOR COMPANY PROFIT SHARING 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