Retirement plan

T. AND S. TRUCKING COMPANY 401(K) PLAN

Name: T. AND S. TRUCKING COMPANY - T. AND S. TRUCKING COMPANY 401(K) PLAN (2016) Form 5500
Creator: T. AND S. TRUCKING COMPANY
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, T. AND S. TRUCKING COMPANY 401(K) PLAN, T. AND S. TRUCKING COMPANY

T. AND S. TRUCKING COMPANYEIN 48-0850999Plan #001PY 2016

333 NORTH JAMES STREET - KANSAS CITY, KS 661181140913-371-6500

Prospect flagsHigh feesLow participation

How to read this page

Total assets (EOY)

$4.3M

+1.6% from 2015

Total participants

143

-1.4% from 2015

Average account balance

$43,762

+2.7% from 2015

Annual return

8.69%

+2.47 pp from 2015

Benchmarks

See 1,015 peers

Peer group

Industry48 - Transportation and Warehousing

Plan typeDefined contribution

Participants100-249

Cohort1,015 peers

Snapshot2016

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

Analytics

Total assets (EOY)

Plan-year ending balance

$3.89M

Not enough data

1 years with asset history on file

Average account balance

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

$85K

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.

80.7%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$194K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$3K

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

+12.48%

Not enough data

1 years with return on file

Admin fee / account holder

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

$18281

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 3 by compensation

Provider	Service type	Compensation
NORTH AMERICAN KTRADE ALLIANCE, LLC2+ years Filed as: NORTH AMERICAN KTRADE ALLIANCE Service code 10 · EIN 32-0169227 1500WEST OAK · PLYMOUTH, IN 46563	Accounting	$12,732
DEMARS PENSION CONSULTING SERVICES2+ years Service code 10 8700 INDIAN CREEK PARKWAY, STE 185 · OVERLAND PARK, KS 66210	Accounting	$11,983
CAMBRIDGE INVESTMENT RESEARCH2+ years Filed as: CAMBRIDGE INVESTMENT RESEARCH, INC Service code 27 · EIN 42-1445429	Advisory (Plan)	$10,866

Plan features & details

Pension benefit codes2E2G2K2F2T3D

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.
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

2 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)

Expense breakdown

Schedule H Part II

Admin total

$40K

$345 / participant

Investment mgmt$28K69.8%
Other / not subdivided$12K30.2%

% of EOY assets

0.916%

all-in expense ratio

Categories reported

1 / 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: PICKETT, CHANEY & MCMULLEN, LLP
Auditor EIN: 481246310
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$43,762

$44,425-1.5%

$67,834-35.5%

$55,167-20.7%

Participation rate

61.7%

59.7%+2.0pp

68.8%-7.1pp

69.0%-7.3pp

Annual return

8.69%

17.80%-9.1pp

138.47%-129.8pp

169.23%-160.5pp

Employer contribution / active EE

$813

$1,351-39.9%

$2,403-66.2%

$1,963-58.6%

Participant deferral / active EE

$2,379

$2,166+9.8%

$3,160-24.7%

$3,054-22.1%

Admin fee / account holder

$401

$530-24.4%

$4,622-91.3%

$504-20.4%

Provider

Service type

Compensation

NORTH AMERICAN KTRADE ALLIANCE, LLC2+ years

Filed as: NORTH AMERICAN KTRADE ALLIANCE

Service code 10 · EIN 32-0169227

1500WEST OAK · PLYMOUTH, IN 46563

Accounting

$12,732

DEMARS PENSION CONSULTING SERVICES2+ years

Service code 10

8700 INDIAN CREEK PARKWAY, STE 185 · OVERLAND PARK, KS 66210

Accounting

$11,983

CAMBRIDGE INVESTMENT RESEARCH2+ years

Filed as: CAMBRIDGE INVESTMENT RESEARCH, INC

Service code 27 · EIN 42-1445429

Advisory (Plan)

$10,866

T. AND S. TRUCKING COMPANY 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

T. AND S. TRUCKING COMPANY 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