Retirement plan

ALL ABOARD AMERICA! HOLDINGS, INC. 401(K) PLAN

Name: ALL ABOARD AMERICA! HOLDINGS, INC. - ALL ABOARD AMERICA! HOLDINGS, INC. 401(K) PLAN (2018) Form 5500
Creator: ALL ABOARD AMERICA! HOLDINGS, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, ALL ABOARD AMERICA! HOLDINGS, INC. 401(K) PLAN, ALL ABOARD AMERICA! HOLDINGS, INC.

ALL ABOARD AMERICA! HOLDINGS, INC.EIN 45-4535135Plan #001PY 2018

1726 COLE BLVD SUITE 220 - LAKEWOOD, CO 80401303-531-1603aaahinc.comLinkedIn1001-5000 employeestransportation/trucking/railroad

Prospect flagsLow participationLow participant contribution

How to read this page

Total assets (EOY)

$7.1M

-7.5% from 2017

Total participants

1,091

-9.8% from 2017

Average account balance

$19,002

-16.4% from 2017

Annual return

2.88%

-10.50 pp from 2017

Benchmarks

See 241 peers

Peer group

Industry48 - Transportation and Warehousing

Plan typeDefined contribution

Participants1,000-4,999

Cohort241 peers

Snapshot2018

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

Analytics

Total assets (EOY)

Plan-year ending balance

$33.22M

Not enough data

1 years with asset history on file

Average account balance

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

$35K

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.

943

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.

52.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$7.24M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$5K

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

+12.88%

Not enough data

1 years with return on file

Admin fee / account holder

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

$200

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 5 by compensation

Provider	Service type	Compensation
LINCOLN NATIONAL CORPORATION3 years Service code 13 · EIN 35-1140070	Contract Administrator	$17,081
GREAT-WEST LIFE & ANNUITY INSURANCE1 year Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Recordkeeping Fees	$10,536
GLOBAL RETIREMENT PARTNERS LLC1 year Service code 27 4340 REDWOOD HWY STE B60 · SAN RAFAEL, CA 94903	Advisory (Plan)	$9,153
PENSION STRATEGIES, LLC1 year Filed as: PENSION STRATEGIES LLC Service code 15 2141 E HIGHLAND STE 180 · PHOENIX, AZ 850164715	Recordkeeping	$2,815
GREAT-WEST LIFE & ANNUITY INSURANCE1 year Filed as: EMPOWER RETIREMENT ADVISORY SERVICE Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Investment Management	$161

Plan features & details

Pension benefit codes2E2F2G2J2K2T3D3H

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.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

2 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.

Expense breakdown

Schedule H Part II

Admin total

$40K

$38 / participant

Investment mgmt$9K23.4%
Contract admin$30K76.6%

% of EOY assets

0.558%

all-in expense ratio

Categories reported

2 / 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: FARMER, FUQUA & HUFF P.C.
Auditor EIN: 752599166
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$19,002

$57,606-67.0%

$67,313-71.8%

$75,289-74.8%

Participation rate

31.2%

68.2%-37.0pp

69.1%-37.9pp

72.4%-41.2pp

Annual return

2.88%

-0.47%+3.3pp

-4.08%+7.0pp

-0.04%+2.9pp

Employer contribution / active EE

$262

$2,206-88.1%

$2,566-89.8%

$2,405-89.1%

Participant deferral / active EE

$816

$3,195-74.5%

$3,568-77.1%

$3,739-78.2%

Admin fee / account holder

$106

$83+28.1%

$4,507-97.6%

$102+3.6%

Provider

Service type

Compensation

LINCOLN NATIONAL CORPORATION3 years

Service code 13 · EIN 35-1140070

Contract Administrator

$17,081

GREAT-WEST LIFE & ANNUITY INSURANCE1 year

Service code 64

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Recordkeeping Fees

$10,536

GLOBAL RETIREMENT PARTNERS LLC1 year

Service code 27

4340 REDWOOD HWY STE B60 · SAN RAFAEL, CA 94903

Advisory (Plan)

$9,153

PENSION STRATEGIES, LLC1 year

Filed as: PENSION STRATEGIES LLC

Service code 15

2141 E HIGHLAND STE 180 · PHOENIX, AZ 850164715

Recordkeeping

$2,815

GREAT-WEST LIFE & ANNUITY INSURANCE1 year

Filed as: EMPOWER RETIREMENT ADVISORY SERVICE

Service code 28

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Investment Management

$161

ALL ABOARD AMERICA! HOLDINGS, INC. 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

ALL ABOARD AMERICA! HOLDINGS, INC. 401(K) 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