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 (2015) 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 2015

3901 WEST 83RD STREET - PRAIRIE VILLAGE, KS 66208913-749-1500

Prospect flagsLow returnsLow participationCorrective distributions

How to read this page

Total assets (EOY)

$47.7M

No prior year

Total participants

1,920

No prior year

Average account balance

$49,789

No prior year

Annual return

-1.43%

No prior year

Benchmarks

See 302 peers

Peer group

Industry44 - Retail Trade

Plan typeDefined contribution

Participants1,000-4,999

Cohort302 peers

Snapshot2015

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
BOKF, NA1+ years Filed as: BOKF, N.A. Service code 19 P.O. BOX 880 · TULSA, OK 74101	Securities Custodian	$139,723
TWO WEST CAPITAL ADVISORS1+ years Filed as: TWO WEST ADVISORS Service code 27 · EIN 27-3055170	Advisory (Plan)	$17,500
MIZE HOUSER & COMPANY1+ years Service code 10 7101 COLLEGE BLVD, STE 900 · OVERLAND PARK, KS 66210	Accounting	$15,000
POLSINELLI1+ years Filed as: POLSINELLI PC Service code 29 900 W 48TH PLACE, STE 900 · KANSAS CITY, MO 64112	Legal	$1,080

Plan features & details

Pension benefit codes2E2F2G2J2K3D

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 returns
Annual investment return is in the bottom quintile of the peer cohort.
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$173K

$96 / participant

Investment mgmt$18K10.1%
Other / not subdivided$156K89.9%

% of EOY assets

0.364%

all-in expense ratio

Categories reported

1 / 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: MIZE HOUSER & COMPANY
Auditor EIN: 480882363
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$49,789

$31,810+56.5%

$64,105-22.3%

$59,188-15.9%

Participation rate

46.7%

57.7%-11.0pp

68.2%-21.5pp

69.4%-22.7pp

Annual return

-1.43%

9.41%-10.8pp

791.24%-792.7pp

5.51%-6.9pp

Employer contribution / active EE

$678

$659+2.8%

$1,820-62.8%

$2,098-67.7%

Participant deferral / active EE

$1,047

$1,582-33.8%

$2,822-62.9%

$3,265-67.9%

Admin fee / account holder

$181

$57+218.3%

$4,499-96.0%

$92+96.4%

Provider

Service type

Compensation

BOKF, NA1+ years

Filed as: BOKF, N.A.

Service code 19

P.O. BOX 880 · TULSA, OK 74101

Securities Custodian

$139,723

TWO WEST CAPITAL ADVISORS1+ years

Filed as: TWO WEST ADVISORS

Service code 27 · EIN 27-3055170

Advisory (Plan)

$17,500

MIZE HOUSER & COMPANY1+ years

Service code 10

7101 COLLEGE BLVD, STE 900 · OVERLAND PARK, KS 66210

Accounting

$15,000

POLSINELLI1+ years

Filed as: POLSINELLI PC

Service code 29

900 W 48TH PLACE, STE 900 · KANSAS CITY, MO 64112

Legal

$1,080

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