Retirement plan

EXP U.S. SERVICES, INC. SAVING AND RETIREMENT PLAN

Name: EXP U.S. SERVICES, INC. - EXP U.S. SERVICES, INC. SAVING AND RETIREMENT PLAN (2023) Form 5500
Creator: EXP U.S. SERVICES, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, EXP U.S. SERVICES, INC. SAVING AND RETIREMENT PLAN, EXP U.S. SERVICES, INC.

EXP U.S. SERVICES, INC.EIN 46-0523964Plan #002PY 2023

205 N. MICHIGAN AVENUE, SUITE 3600 - CHICAGO, IL 60601312-616-3200

Prospect flagsNo flags tripped

How to read this page

Total assets (EOY)

$190.1M

+27.6% from 2022

Total participants

1,506

+1.1% from 2022

Average account balance

$131,117

+20.3% from 2022

Annual return

25.84%

+46.31 pp from 2022

Benchmarks

See 929 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants1,000-4,999

Cohort929 peers

Snapshot2023

See peer percentile detail. $4.99 for your first month.

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Analytics

Total assets (EOY)

Plan-year ending balance

$230.70M

Not enough data

1 years with asset history on file

Average account balance

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

$151K

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.

1,532

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.

94.8%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$16.38M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$14K

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

+20.06%

Not enough data

1 years with return on file

Admin fee / account holder

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

$241

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

See the 10-year trajectory. $4.99 for your first month.

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Service providers

Top 3 by compensation

Provider	Service type	Compensation
NFP RETIREMENT INC2 years Filed as: NFP RETIREMENT INC. Service code 16 · EIN 33-0905143	Consulting	$162,433
FIDELITY INVESTMENTS INSTITUTIONAL9+ years Service code 37 · EIN 04-2647786	Loan Processing	$129,462
FGMK, LLC8 years Service code 10 · EIN 36-2929601	Accounting	$14,723

Plan features & details

Pension benefit codes2G2J2K2S2T3H2E2F3D

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.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
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

0 tripped

No flags tripped for this filing year. This plan looks clean.

Expense breakdown

Schedule H Part II

Admin total

$307K

$291 / participant

Recordkeeping$129K42.1%
Investment mgmt$123K40.0%
Other / not subdivided$55K17.9%

% of EOY assets

0.162%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

The auditor signed off without reservation. This is the cleanest opinion.

Auditor firm: FGMK, LLC
Auditor EIN: 362929601
Audit fees: $14,723
Opinion code: Unqualified

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$131,117

$107,459+22.0%

$135,903-3.5%

$80,160+63.6%

Participation rate

94.7%

78.0%+16.7pp

81.9%+12.8pp

72.9%+21.8pp

Annual return

25.84%

91.91%-66.1pp

68.23%-42.4pp

40.38%-14.5pp

Employer contribution / active EE

$4,174

$3,877+7.7%

$4,856-14.0%

$2,978+40.2%

Participant deferral / active EE

$9,327

$8,195+13.8%

$7,758+20.2%

$5,017+85.9%

Admin fee / account holder

$212

$127+66.9%

$10,762-98.0%

$145+46.2%

Provider

Service type

Compensation

NFP RETIREMENT INC2 years

Filed as: NFP RETIREMENT INC.

Service code 16 · EIN 33-0905143

Consulting

$162,433

FIDELITY INVESTMENTS INSTITUTIONAL9+ years

Service code 37 · EIN 04-2647786

Loan Processing

$129,462

FGMK, LLC8 years

Service code 10 · EIN 36-2929601

Accounting

$14,723

EXP U.S. SERVICES, INC. SAVING AND RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

EXP U.S. SERVICES, INC. SAVING AND RETIREMENT 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