Retirement plan

RATIO STATES, LLC 401(K) PLAN

Name: RATIO STATES, LLC - RATIO STATES, LLC 401(K) PLAN (2021) Form 5500
Creator: RATIO STATES, LLC
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, RATIO STATES, LLC 401(K) PLAN, RATIO STATES, LLC

RATIO STATES, LLCEIN 47-2339289Plan #002PY 2021

101 S PENNSYLVANIA ST - INDIANAPOLIS, IN 46204317-633-4040

Prospect flagsLow returns

How to read this page

Total assets (EOY)

$31.8M

No prior year

Total participants

227

No prior year

Average account balance

$147,276

No prior year

Annual return

13.60%

No prior year

Benchmarks

See 5,719 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants100-249

Cohort5,719 peers

Snapshot2021

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Analytics

Total assets (EOY)

Plan-year ending balance

$39.46M

Not enough data

1 years with asset history on file

Average account balance

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

$169K

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.

233

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.

93.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$2.59M

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

+16.77%

Not enough data

1 years with return on file

Admin fee / account holder

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

$304

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

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Service providers

Top 10 of 12 by compensation

Provider	Service type	Compensation
STIFEL NICOLAUS & CO INC1+ years Filed as: STIFEL NICOLAUS & COMPANY INC Service code 53 · EIN 43-0538770	Insurance Commissions	$47,427
GREAT-WEST LIFE & ANNUITY INSURANCE1+ years Filed as: GREAT WEST LIFE & ANNUITY INSURANCE Service code 49 · EIN 84-0467907	Other Services	$4,310
ENVESTNET RETIREMENT SOLUTIONS, LLC1+ years Service code 26 · EIN 61-1732930	Advisory (Participants)	$32
AMERICAN FUNDS1+ years Service code 52 · EIN 94-6050854	Indirect Investment Fees	$0
COLUMBIA1+ years Service code 52 · EIN 94-1687665	Indirect Investment Fees	$0
DELAWARE INVESTMENTS1+ years Service code 52 · EIN 23-2651520	Indirect Investment Fees	$0
FRANKLIN TEMPLETON1+ years Filed as: FRANKLINTEMPLETON Service code 52 · EIN 13-3151768	Indirect Investment Fees	$0
LEGG MASON1+ years Service code 52 · EIN 13-4146187	Indirect Investment Fees	$0
MASSACHUSETTS MUTUAL LIFE INS. CO.1+ years Service code 52 · EIN 04-1590850	Indirect Investment Fees	$0
NATIXIS FUNDS1+ years Service code 52 · EIN 52-2257782	Indirect Investment Fees	$0

Plan features & details

Pension benefit codes2E2J2F2G2K3B2S2T

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.
3B
Plan covering self-employed individuals
Plan covering self-employed individuals.

Opportunity flags

1 tripped

OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$4K

$24 / participant

Contract admin$4K98.1%
Other / not subdivided$801.9%

% of EOY assets

0.014%

all-in expense ratio

Categories reported

1 / 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: GREENWALT CPAS, INC.
Auditor EIN: 351489621
Audit fees: (not subdivided)
Opinion code: Unqualified

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$147,276

$104,475+41.0%

$159,436-7.6%

$79,386+85.5%

Participation rate

93.8%

76.6%+17.1pp

82.8%+10.9pp

70.7%+23.0pp

Annual return

13.60%

67.95%-54.3pp

263.57%-250.0pp

116.85%-103.2pp

Employer contribution / active EE

$1,400

$3,417-59.0%

$4,829-71.0%

$2,427-42.3%

Participant deferral / active EE

$8,123

$6,467+25.6%

$7,352+10.5%

$4,046+100.8%

Admin fee / account holder

$20

$711-97.2%

$10,799-99.8%

$626-96.8%

Provider

Service type

Compensation

STIFEL NICOLAUS & CO INC1+ years

Filed as: STIFEL NICOLAUS & COMPANY INC

Service code 53 · EIN 43-0538770

Insurance Commissions

$47,427

GREAT-WEST LIFE & ANNUITY INSURANCE1+ years

Filed as: GREAT WEST LIFE & ANNUITY INSURANCE

Service code 49 · EIN 84-0467907

Other Services

$4,310

ENVESTNET RETIREMENT SOLUTIONS, LLC1+ years

Service code 26 · EIN 61-1732930

Advisory (Participants)

$32

AMERICAN FUNDS1+ years

Service code 52 · EIN 94-6050854

Indirect Investment Fees

COLUMBIA1+ years

Service code 52 · EIN 94-1687665

Indirect Investment Fees

DELAWARE INVESTMENTS1+ years

Service code 52 · EIN 23-2651520

Indirect Investment Fees

FRANKLIN TEMPLETON1+ years

Filed as: FRANKLINTEMPLETON

Service code 52 · EIN 13-3151768

Indirect Investment Fees

LEGG MASON1+ years

Service code 52 · EIN 13-4146187

Indirect Investment Fees

MASSACHUSETTS MUTUAL LIFE INS. CO.1+ years

Service code 52 · EIN 04-1590850

Indirect Investment Fees

NATIXIS FUNDS1+ years

Service code 52 · EIN 52-2257782

Indirect Investment Fees

RATIO STATES, LLC 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

RATIO STATES, LLC 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