Retirement plan

TERMINAL RAILROAD ASSOCIATION OF ST LOUIS 401(K) PLAN FOR SCHEDULE EMPLOYEES

Name: TERMINAL RAILROAD ASSOCIATION OF ST. LOUIS - TERMINAL RAILROAD ASSOCIATION OF ST LOUIS 401(K) PLAN FOR SCHEDULE EMPLOYEES (2015) Form 5500
Creator: TERMINAL RAILROAD ASSOCIATION OF ST. LOUIS
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, TERMINAL RAILROAD ASSOCIATION OF ST LOUIS 401(K) PLAN FOR SCHEDULE EMPLOYEES, TERMINAL RAILROAD ASSOCIATION OF ST. LOUIS

TERMINAL RAILROAD ASSOCIATION OF ST. LOUISEIN 43-6003713Plan #003PY 2015

415 SOUTH 18TH STREET - ST. LOUIS, MO 63103314-539-4708LinkedIn1-10 employees

Other plans on this EIN

2 filings

#001Retirement-$35.0M assets #002Retirement-$8.1M assets

Prospect flagsCorrective distributions

How to read this page

Total assets (EOY)

$14.7M

No prior year

Total participants

253

No prior year

Average account balance

$65,642

No prior year

Annual return

-0.43%

No prior year

Benchmarks

See 938 peers

Peer group

Industry48 - Transportation and Warehousing

Plan typeDefined contribution

Participants100-249

Cohort938 peers

Snapshot2015

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

Analytics

Total assets (EOY)

Plan-year ending balance

$29.98M

Not enough data

1 years with asset history on file

Average account balance

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

$127K

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.

236

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.

88.9%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.63M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$9K

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

+15.56%

Not enough data

1 years with return on file

Admin fee / account holder

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

$25

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
ALLIANCE BENEFIT GROUP1+ years Filed as: ALLIANCE BENEFIT GROUP OF ILLINOIS Service code 15 · EIN 37-0899315	Recordkeeping	$27,386
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB TRUST COMPANY Service code 18 · EIN 42-1558009	Custodial (other than securities); In...	$7,314
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB & CO, INC. Service code 59 · EIN 94-1737782	Shareholder Servicing	$0
CHARLES SCHWAB & CO., INC.1+ years Service code 59	Shareholder Servicing	$0

Plan features & details

Pension benefit codes2G2J2K3D2E2T

Plan features

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.
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

1 tripped

ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$2K

$8 / participant

Other / not subdivided$2K100.0%

% of EOY assets

0.011%

all-in expense ratio

Categories reported

0 / 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: KERBER,ECK & BRAECKEL LLP
Auditor EIN: 430352985
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$65,642

$46,745+40.4%

$60,547+8.4%

$52,331+25.4%

Participation rate

85.5%

58.6%+26.9pp

68.0%+17.5pp

68.1%+17.4pp

Annual return

-0.43%

0.61%-1.0pp

335.64%-336.1pp

4.54%-5.0pp

Employer contribution / active EE

$1,627

$1,259+29.3%

$2,419-32.7%

$1,882-13.5%

Participant deferral / active EE

$4,441

$2,145+107.1%

$3,328+33.5%

$3,022+47.0%

Admin fee / account holder

$537-98.6%

$4,536-99.8%

$592-98.8%

Provider

Service type

Compensation

ALLIANCE BENEFIT GROUP1+ years

Filed as: ALLIANCE BENEFIT GROUP OF ILLINOIS

Service code 15 · EIN 37-0899315

Recordkeeping

$27,386

CHARLES SCHWAB & CO., INC.1+ years

Filed as: CHARLES SCHWAB TRUST COMPANY

Service code 18 · EIN 42-1558009

Custodial (other than securities); In...

$7,314

CHARLES SCHWAB & CO., INC.1+ years

Filed as: CHARLES SCHWAB & CO, INC.

Service code 59 · EIN 94-1737782

Shareholder Servicing

CHARLES SCHWAB & CO., INC.1+ years

Service code 59

Shareholder Servicing

TERMINAL RAILROAD ASSOCIATION OF ST LOUIS 401(K) PLAN FOR SCHEDULE EMPLOYEES

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

TERMINAL RAILROAD ASSOCIATION OF ST LOUIS 401(K) PLAN FOR SCHEDULE EMPLOYEES

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