Retirement plan

BROWN & JAMES, P.C. 401K PROFIT SHARING PLAN

Name: BROWN & JAMES, P. C. - BROWN & JAMES, P.C. 401K PROFIT SHARING PLAN (2017) Form 5500
Creator: BROWN & JAMES, P. C.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, BROWN & JAMES, P.C. 401K PROFIT SHARING PLAN, BROWN & JAMES, P. C.

BROWN & JAMES, P. C.EIN 43-1235718Plan #001PY 2017

800 MARKET STREET, SUITE 1100 - SAINT LOUIS, MO 63101314-242-5246brownjames.comLinkedIn201-500 employeeslaw practice

Prospect flagsLow returnsHigh cashHigh assets / participant

How to read this page

Total assets (EOY)

$77.9M

+6.1% from 2016

Total participants

244

+0.8% from 2016

Average account balance

$320,411

-0.9% from 2016

Annual return

8.12%

+0.26 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

$73.44M

Not enough data

1 years with asset history on file

Average account balance

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

$410K

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.

179

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.

95.4%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$2.39M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$18K

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

+9.68%

Not enough data

1 years with return on file

Admin fee / account holder

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

$524

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 3 by compensation

Provider	Service type	Compensation
SMITH, MOORE & CO.2+ years Service code 28 7777 BONHOMME AVENUE · CLAYTON, MO 63105	Investment Management	$43,884
EKON BENEFITS2+ years Service code 15 4940 WASHINGTON BOULEVARD · ST. LOUIS, MO 63108	Recordkeeping	$26,038
BAIRD FUNDS2+ years Filed as: ROBERT PLACK Service code 28 4045 OSAGE RIDGE · HOUSE SPRINGS, MO 63051	Investment Management	$20,658

Plan features & details

Pension benefit codes2E2G2J2K3D2T2F

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.
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

3 tripped

OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
OpportunityHigh cash
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
InformationalHigh assets / participant
Assets per participant exceed $250,000 - top-decile high-value plan.

Expense breakdown

Schedule H Part II

Admin total

$27K

$137 / participant

Investment mgmt$23K87.2%
Other / not subdivided$3K12.8%

% of EOY assets

0.034%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: CLIFTONLARSONALLEN LLP
Auditor EIN: 410746749
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$320,411

$80,753+296.8%

$136,297+135.1%

$62,293+414.4%

Participation rate

99.5%

73.5%+25.9pp

81.9%+17.6pp

69.5%+30.0pp

Annual return

8.12%

35.83%-27.7pp

5156.19%-5148.1pp

28.90%-20.8pp

Employer contribution / active EE

$10,087

$2,884+249.8%

$4,696+114.8%

$2,042+393.9%

Participant deferral / active EE

$5,747

$5,164+11.3%

$6,247-8.0%

$3,169+81.3%

Admin fee / account holder

$110

$525-79.1%

$9,244-98.8%

$479-77.1%

Provider

Service type

Compensation

SMITH, MOORE & CO.2+ years

Service code 28

7777 BONHOMME AVENUE · CLAYTON, MO 63105

Investment Management

$43,884

EKON BENEFITS2+ years

Service code 15

4940 WASHINGTON BOULEVARD · ST. LOUIS, MO 63108

Recordkeeping

$26,038

BAIRD FUNDS2+ years

Filed as: ROBERT PLACK

Service code 28

4045 OSAGE RIDGE · HOUSE SPRINGS, MO 63051

Investment Management

$20,658

BROWN & JAMES, P.C. 401K PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

BROWN & JAMES, P.C. 401K 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