Retirement plan

CLOVERLAND FARMS DAIRY 401(K) RETIREMENT PLAN FOR UNION EMPLOYEES

Name: TWO FARMS INC - CLOVERLAND FARMS DAIRY 401(K) RETIREMENT PLAN FOR UNION EMPLOYEES (2015) Form 5500
Creator: TWO FARMS INC
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CLOVERLAND FARMS DAIRY 401(K) RETIREMENT PLAN FOR UNION EMPLOYEES, TWO FARMS INC

TWO FARMS INCEIN 52-0275060Plan #004PY 2015

3611 ROLAND AVENUE - BALTIMORE, MD 212112408410-235-4477LinkedIn1-10 employees

Other plans on this EIN

2 filings

#001Retirement-$10.5M assets #003Retirement-$10.5M assets

Prospect flagsHigh cash

Top hat statement on fileNQDC

Filed March 23, 2006

This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.

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How to read this page

Total assets (EOY)

$7.9M

No prior year

Total participants

277

No prior year

Average account balance

$28,714

No prior year

Annual return

0.71%

No prior year

Benchmarks

See 2,153 peers

Peer group

Industry44 - Retail Trade

Plan typeDefined contribution

Participants100-249

Cohort2,153 peers

Snapshot2015

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

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Analytics

Total assets (EOY)

Plan-year ending balance

$9.47M

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.

270

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.

88.9%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$673K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$2K

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

+14.23%

Not enough data

1 years with return on file

Admin fee / account holder

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

$84

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 3-year trajectory. $4.99 for your first month.

Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.

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Service providers

Top 7 by compensation

Provider	Service type	Compensation
T ROWE PRICE RPS INC1+ years Filed as: T. ROWE PRICE RPS, INC Service code 15 · EIN 52-1309931	Recordkeeping	$3,950
AMERICAN CENTURY1+ years Filed as: AMERICAN CENTURY INVESTMENTS Service code 28 · EIN 20-0623152	Investment Management	$0
EAGLEASSET1+ years Service code 28 · EIN 59-3171014	Investment Management	$0
EAGLEASSET1+ years Filed as: EAGLEASSET FUNDS Service code 28	Investment Management	$0
MORGAN STANLEY SMITH BARNEY1+ years Filed as: JP MORGAN FUNDS Service code 28 · EIN 13-2624428	Investment Management	$0
T ROWE PRICE RPS INC1+ years Filed as: T.ROWE PRICE RPS, INC Service code 15	Recordkeeping	$0
T ROWE PRICE RPS INC1+ years Filed as: T.ROWE PRICE RPS,INC. Service code 15	Recordkeeping	$0

Plan features & details

Pension benefit codes2A2G2J2K

Plan features

2A
Age/service weighted or new comparability plan
Age/service weighted plan where allocations are based on age service or age and service; or new comparability or similar plan where allocations are based on participant classifications consisting entirely or predominantly of highly compensated employees or the plan provides an additional allocation rate on compensation above a specified threshold that exceeds the permitted disparity limits of Code section 401(l).
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.

Opportunity flags

1 tripped

OpportunityHigh cash
More than 10% of assets are held in cash - possible menu-design or default-fund problem.

Expense breakdown

Schedule H Part II

Admin total

$4K

$17 / participant

Other / not subdivided$4K100.0%

% of EOY assets

0.050%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Disclaimer opinion

The auditor declined to give an opinion. This is usually a 103(a)(3)(C) limited-scope election.

Auditor firm: STOUT, CAUSEY & HORNING, PA
Auditor EIN: 521743645
Audit fees: (not subdivided)
Opinion code: Disclaimer

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$28,714

$39,245-26.8%

$64,105-55.2%

$52,331-45.1%

Participation rate

99.1%

58.2%+40.9pp

68.2%+31.0pp

68.1%+31.0pp

Annual return

0.71%

14.79%-14.1pp

791.24%-790.5pp

4.54%-3.8pp

Employer contribution / active EE

$1,002

$736+36.1%

$1,820-45.0%

$1,882-46.8%

Participant deferral / active EE

$1,039

$1,992-47.8%

$2,822-63.2%

$3,022-65.6%

Admin fee / account holder

$14

$592-97.6%

$4,499-99.7%

$592-97.6%

Provider

Service type

Compensation

T ROWE PRICE RPS INC1+ years

Filed as: T. ROWE PRICE RPS, INC

Service code 15 · EIN 52-1309931

Recordkeeping

$3,950

AMERICAN CENTURY1+ years

Filed as: AMERICAN CENTURY INVESTMENTS

Service code 28 · EIN 20-0623152

Investment Management

EAGLEASSET1+ years

Service code 28 · EIN 59-3171014

Investment Management

EAGLEASSET1+ years

Filed as: EAGLEASSET FUNDS

Service code 28

Investment Management

MORGAN STANLEY SMITH BARNEY1+ years

Filed as: JP MORGAN FUNDS

Service code 28 · EIN 13-2624428

Investment Management

T ROWE PRICE RPS INC1+ years

Filed as: T.ROWE PRICE RPS, INC

Service code 15

Recordkeeping

T ROWE PRICE RPS INC1+ years

Filed as: T.ROWE PRICE RPS,INC.

Service code 15

Recordkeeping

CLOVERLAND FARMS DAIRY 401(K) RETIREMENT PLAN FOR UNION EMPLOYEES

Top hat statement on fileNQDC

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CLOVERLAND FARMS DAIRY 401(K) RETIREMENT PLAN FOR UNION EMPLOYEES

Top hat statement on fileNQDC

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