Retirement plan

ESPERIA HOLDINGS, LLC 401(K) PLAN

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

ESPERIA HOLDINGS, LLCEIN 47-4198673Plan #003PY 2021

1907 W STATE STREET, #384 - FREMONT, OH 43420567-262-3011esperiallc.comLinkedIn11-50 employeesconsumer goods

Prospect flagsLow assets / participant

How to read this page

Total assets (EOY)

$3.1M

No prior year

Total participants

241

No prior year

Average account balance

$14,758

No prior year

Annual return

13.55%

No prior year

Benchmarks

See 5,668 peers

Peer group

Industry32 - Manufacturing

Plan typeDefined contribution

Participants25-99

Cohort5,668 peers

Snapshot2021

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

Analytics

Total assets (EOY)

Plan-year ending balance

$2.54M

Not enough data

1 years with asset history on file

Average account balance

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

$43K

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.

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.

122.9%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$66K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$1K

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

+12.85%

Not enough data

1 years with return on file

Admin fee / account holder

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

$8138

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

0 years with F_SCH_H allocation on file

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

Service providers

Top 2 by compensation

Provider	Service type	Compensation
NEWPORT GROUP, INC.1+ years Service code 13 · EIN 27-2037969	Contract Administrator	$27,592
TFO-TDC, LLC1+ years Service code 26 1440 ARROWHEAD DRIVE · MAUMEE, OH 43537	Advisory (Participants)	$21,585

Plan features & details

Pension benefit codes2E2F2G2J2T3D3F3H

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.
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.
3F
Leased employees
Plan sponsor(s) received services of leased employees as defined in Code section 414(n) during the plan year.
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

1 tripped

OpportunityLow assets / participant
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.

Expense breakdown

Schedule H Part II

Admin total

$53K

$538 / participant

Investment mgmt$22K41.0%
Contract admin$28K52.4%
Other / not subdivided$4K6.6%

% of EOY assets

1.676%

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: RAYNER, FOOS, KRUSE & IRWIN CPA'S
Auditor EIN: 341750347
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$14,758

$87,733-83.2%

$106,554-86.1%

$85,851-82.8%

Participation rate

71.4%

71.9%-0.5pp

76.1%-4.7pp

69.3%+2.1pp

Annual return

13.55%

21.86%-8.3pp

26.80%-13.3pp

318.63%-305.1pp

Employer contribution / active EE

$5,246

$2,073+153.1%

$2,819+86.1%

$2,565+104.5%

Participant deferral / active EE

$1,686

$3,469-51.4%

$4,398-61.7%

$3,952-57.3%

Admin fee / account holder

$247

$6,767-96.3%

$7,408-96.7%

$6,261-96.0%

Provider

Service type

Compensation

NEWPORT GROUP, INC.1+ years

Service code 13 · EIN 27-2037969

Contract Administrator

$27,592

TFO-TDC, LLC1+ years

Service code 26

1440 ARROWHEAD DRIVE · MAUMEE, OH 43537

Advisory (Participants)

$21,585

ESPERIA HOLDINGS, LLC 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

ESPERIA HOLDINGS, 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