Retirement plan

COSENTINO'S FOOD STORES 401(K) PROFIT SHARING PLAN AND TRUST

Name: COSENTINO SERVICE CORPORATION - COSENTINO'S FOOD STORES 401(K) PROFIT SHARING PLAN AND TRUST (2024) Form 5500
Creator: COSENTINO SERVICE CORPORATION
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, COSENTINO'S FOOD STORES 401(K) PROFIT SHARING PLAN AND TRUST, COSENTINO SERVICE CORPORATION

COSENTINO SERVICE CORPORATIONEIN 43-1670009Plan #333PY 2024

13180 METCALF AVE. - OVERLAND PARK, KS 66213913-749-1500

Prospect flagsLow returnsLow participationLow participant contribution

How to read this page

Total assets (EOY)

$87.7M

+9.5% from 2023

Total participants

3,516

+13.4% from 2023

Average account balance

$96,496

+12.9% from 2023

Annual return

10.97%

-3.69 pp from 2023

Benchmarks

See 391 peers

Peer group

Industry44 - Retail Trade

Plan typeDefined contribution

Participants1,000-4,999

Cohort391 peers

Snapshot2024

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

Analytics

Total assets (EOY)

Plan-year ending balance

$87.71M

Not enough data

1 years with asset history on file

Average account balance

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

$96K

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.

909

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.

21.9%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$4.53M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$1K

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

+10.97%

Not enough data

1 years with return on file

Admin fee / account holder

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

$175

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 4 by compensation

Provider	Service type	Compensation
CHARLES SCHWAB & CO., INC.5 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833	Recordkeeping	$80,363
TWO WEST CAPITAL ADVISORS4 years Filed as: TWO WEST CAPITAL ADVISORS LLC Service code 28 · EIN 27-3055170	Investment Management	$78,408
CHARLES SCHWAB & CO., INC.3 years Service code 33 · EIN 94-1737782	Direct payment from the plan; Float r...	$34
CHARLES SCHWAB & CO., INC.1 year Filed as: CHARLES SCHWAB & CO.,INC. AND AFFIL Service code 59	Shareholder Servicing	$0

Plan features & details

Pension benefit codes2E2F2G2J2K2X3D

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

3 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$159K

$48 / participant

Recordkeeping$77K48.4%
Investment mgmt$82K51.6%

% of EOY assets

0.181%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: MIZE CPAS INC
Auditor EIN: 480882363
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$96,496

$48,744+98.0%

$93,696+3.0%

$199,960-51.7%

Participation rate

21.9%

63.7%-41.8pp

68.7%-46.8pp

72.0%-50.1pp

Annual return

10.97%

15.36%-4.4pp

133.74%-122.8pp

34.28%-23.3pp

Employer contribution / active EE

$468

$1,140-59.0%

$2,422-80.7%

$3,036-84.6%

Participant deferral / active EE

$890

$2,825-68.5%

$4,417-79.8%

$5,087-82.5%

Admin fee / account holder

$175

$195-10.5%

$8,287-97.9%

$269-35.1%

Provider

Service type

Compensation

CHARLES SCHWAB & CO., INC.5 years

Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC

Service code 15 · EIN 34-1479833

Recordkeeping

$80,363

TWO WEST CAPITAL ADVISORS4 years

Filed as: TWO WEST CAPITAL ADVISORS LLC

Service code 28 · EIN 27-3055170

Investment Management

$78,408

CHARLES SCHWAB & CO., INC.3 years

Service code 33 · EIN 94-1737782

Direct payment from the plan; Float r...

$34

CHARLES SCHWAB & CO., INC.1 year

Filed as: CHARLES SCHWAB & CO.,INC. AND AFFIL

Service code 59

Shareholder Servicing

COSENTINO'S FOOD STORES 401(K) PROFIT SHARING PLAN AND TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

COSENTINO'S FOOD STORES 401(K) PROFIT SHARING PLAN AND TRUST

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