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 (2018) 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 2018

1017 OLIVE STREET, 5TH FLOOR - ST. LOUIS, MO 63101314-539-4745LinkedIn1-10 employees

Other plans on this EIN

2 filings

#001Retirement-$35.8M assets #002Retirement-$9.5M assets

Prospect flagsLow participation

How to read this page

Total assets (EOY)

$18.1M

-2.3% from 2017

Total participants

272

+11.5% from 2017

Average account balance

$102,629

+21.1% from 2017

Annual return

-1.95%

-14.37 pp from 2017

Benchmarks

See 672 peers

Peer group

Industry48 - Transportation and Warehousing

Plan typeDefined contribution

Participants250-999

Cohort672 peers

Snapshot2018

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 3 by compensation

Provider	Service type	Compensation
ALLIANCE BENEFIT GROUP4+ years Filed as: ALLIANCE BENEFIT GROUP OF ILLINOIS Service code 15 · EIN 37-0899315	Recordkeeping	$2,225
CHARLES SCHWAB & CO., INC.4+ years Service code 59	Shareholder Servicing	$0
CHARLES SCHWAB & CO., INC.3 years Filed as: CHARLES SCHWAB BANK Service code 24	Discretionary Trustee	$0

Plan features & details

Pension benefit codes2G2J2K3D2E2T2F

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

1 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.

Expense breakdown

Schedule H Part II

Admin total

$2K

$9 / participant

Other / not subdivided$2K100.0%

% of EOY assets

0.012%

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

$102,629

$41,467+147.5%

$67,313+52.5%

$55,725+84.2%

Participation rate

62.6%

62.5%+0.1pp

69.1%-6.4pp

70.9%-8.2pp

Annual return

-1.95%

0.82%-2.8pp

-4.08%+2.1pp

244.93%-246.9pp

Employer contribution / active EE

$1,270

$1,316-3.5%

$2,566-50.5%

$2,078-38.9%

Participant deferral / active EE

$3,274

$2,399+36.5%

$3,568-8.2%

$3,356-2.4%

Admin fee / account holder

$13

$102-87.6%

$4,507-99.7%

$115-89.0%

Provider

Service type

Compensation

ALLIANCE BENEFIT GROUP4+ years

Filed as: ALLIANCE BENEFIT GROUP OF ILLINOIS

Service code 15 · EIN 37-0899315

Recordkeeping

$2,225

CHARLES SCHWAB & CO., INC.4+ years

Service code 59

Shareholder Servicing

CHARLES SCHWAB & CO., INC.3 years

Filed as: CHARLES SCHWAB BANK

Service code 24

Discretionary Trustee

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