Retirement plan

LEWIS RICE PROFIT SHARING PLAN

Name: LR-STL, LLC - LEWIS RICE PROFIT SHARING PLAN (2019) Form 5500
Creator: LR-STL, LLC
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, LEWIS RICE PROFIT SHARING PLAN, LR-STL, LLC

LR-STL, LLCEIN 43-0680427Plan #001PY 2019

600 WASHINGTON AVENUE, SUITE 2500 - ST. LOUIS, MO 63101314-444-1313

Prospect flagsLow returnsHigh feesHigh assets / participant

How to read this page

Total assets (EOY)

$95.8M

No prior year

Total participants

271

No prior year

Average account balance

$369,978

No prior year

Annual return

-2.80%

No prior year

Benchmarks

See 5,552 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants100-249

Cohort5,552 peers

Snapshot2019

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

Analytics

Total assets (EOY)

Plan-year ending balance

$143.94M

Not enough data

1 years with asset history on file

Average account balance

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

$564K

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.

255

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.

90.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$6.44M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$30K

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

+15.52%

Not enough data

1 years with return on file

Admin fee / account holder

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

$402

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 5 by compensation

Provider	Service type	Compensation
MERRILL LYNCH PIERCE FENNER & SMITH1+ years Filed as: MERRILL LYNCH,PIERCE,FENNER & SMITH Service code 15 · EIN 13-5674085 4 WORLD FINANCIAL CENTER · NEW YORK, NY 10281	Recordkeeping	$55,447
MERRILL LYNCH PIERCE FENNER & SMITH1+ years Filed as: MERRILL LYNCH Service code 17 · EIN 94-1687665 4800 DEER LAKE DRIVE EAST · JACKSONVILLE, FL 32246	Pension Consulting	$20,000
CUTTER & COMPANY, INC1+ years Filed as: CUTTER & COMPANY Service code 10 15415 CLAYTON ROAD · BALLWIN, MO 63011	Accounting	$18,870
SPARROW CAPITAL MANAGEMENT1+ years Service code 10 211 N. BROADWAY · ST. LOUIS, MO 63102	Accounting	$12,148
PARKSIDE FINANCIAL BANK AND TRUST1+ years Filed as: PARKSIDE FINANCIAL BANK & TRUST Service code 17 8112 MARYLAND AVE. · CLAYTON, MO 63105	Pension Consulting	$9,113

Plan features & details

Pension benefit codes2A2E2G2J2R3B3H

Plan features

2A
Age/service weighted or new comparability plan
Age/service weighted plan where allocations are based on age service or age and service; or new comparability or similar plan where allocations are based on participant classifications consisting entirely or predominantly of highly compensated employees or the plan provides an additional allocation rate on compensation above a specified threshold that exceeds the permitted disparity limits of Code section 401(l).
2E
Profit-sharing
Profit-sharing plan.
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.
3B
Plan covering self-employed individuals
Plan covering self-employed individuals.
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

3 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
InformationalHigh assets / participant
Assets per participant exceed $250,000 - top-decile high-value plan.

Expense breakdown

Schedule H Part II

Admin total

$116K

$529 / participant

Investment mgmt$68K58.4%
Contract admin$20K17.4%
Other / not subdivided$28K24.2%

% of EOY assets

0.121%

all-in expense ratio

Categories reported

2 / 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: BKD LLP
Auditor EIN: 440160260
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$369,978

$89,652+312.7%

$141,197+162.0%

$65,186+467.6%

Participation rate

94.5%

74.7%+19.8pp

82.5%+12.0pp

70.2%+24.3pp

Annual return

-2.80%

32.79%-35.6pp

71.41%-74.2pp

29.39%-32.2pp

Employer contribution / active EE

$12,272

$3,065+300.4%

$4,736+159.1%

$2,177+463.8%

Participant deferral / active EE

$9,781

$5,691+71.9%

$6,710+45.8%

$3,514+178.3%

Admin fee / account holder

$447

$569-21.4%

$10,265-95.6%

$847-47.2%

Provider

Service type

Compensation

MERRILL LYNCH PIERCE FENNER & SMITH1+ years

Filed as: MERRILL LYNCH,PIERCE,FENNER & SMITH

Service code 15 · EIN 13-5674085

4 WORLD FINANCIAL CENTER · NEW YORK, NY 10281

Recordkeeping

$55,447

MERRILL LYNCH PIERCE FENNER & SMITH1+ years

Filed as: MERRILL LYNCH

Service code 17 · EIN 94-1687665

4800 DEER LAKE DRIVE EAST · JACKSONVILLE, FL 32246

Pension Consulting

$20,000

CUTTER & COMPANY, INC1+ years

Filed as: CUTTER & COMPANY

Service code 10

15415 CLAYTON ROAD · BALLWIN, MO 63011

Accounting

$18,870

SPARROW CAPITAL MANAGEMENT1+ years

Service code 10

211 N. BROADWAY · ST. LOUIS, MO 63102

Accounting

$12,148

PARKSIDE FINANCIAL BANK AND TRUST1+ years

Filed as: PARKSIDE FINANCIAL BANK & TRUST

Service code 17

8112 MARYLAND AVE. · CLAYTON, MO 63105

Pension Consulting

$9,113

LEWIS RICE PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

LEWIS RICE 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