Retirement plan

THE COLUMBIA ASSOCIATION, INC. INCENTIVE SAVINGS PLAN AND TRUST

Name: COLUMBIA ASSOCIATION, INC - THE COLUMBIA ASSOCIATION, INC. INCENTIVE SAVINGS PLAN AND TRUST (2016) Form 5500
Creator: COLUMBIA ASSOCIATION, INC
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, THE COLUMBIA ASSOCIATION, INC. INCENTIVE SAVINGS PLAN AND TRUST, COLUMBIA ASSOCIATION, INC

COLUMBIA ASSOCIATION, INCEIN 52-0823992Plan #003PY 2016

10221 WINCOPIN CIRCLE, SUITE 100 - COLUMBIA, MD 210443410410-715-3131columbiaassociation.orgLinkedIn1001-5000 employeeshealth, wellness and fitness

Prospect flagsFailed to transmit contributionsFailed to provide benefit

How to read this page

Total assets (EOY)

$35.9M

+7.0% from 2015

Total participants

577

-4.6% from 2015

Average account balance

$62,870

+7.7% from 2015

Annual return

8.70%

+8.47 pp from 2015

Benchmarks

See 783 peers

Peer group

Industry81 - Other Services (except Public Administration)

Plan typeDefined contribution

Participants250-999

Cohort783 peers

Snapshot2016

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

Analytics

Total assets (EOY)

Plan-year ending balance

$58.57M

Not enough data

1 years with asset history on file

Average account balance

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

$95K

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.

616

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.

45.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$3.58M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$4K

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

+13.46%

Not enough data

1 years with return on file

Admin fee / account holder

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

$76

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

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

Service providers

Top 1 by compensation

Provider	Service type	Compensation
FIDELITY INVESTMENTS INSTITUTIONAL2+ years Service code 37 · EIN 04-2647786	Loan Processing	$1,138

Plan features & details

Pension benefit codes2E2F2G2J2T3D

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.

Opportunity flags

2 tripped

ComplianceFailed to transmit contributions
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
ComplianceFailed to provide benefit
Form 5500 reported that benefits due were not provided when due.

Expense breakdown

Schedule H Part II

Admin total

$1K

$2 / participant

Other / not subdivided$1K100.0%

% of EOY assets

0.003%

all-in expense ratio

Categories reported

0 / 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: COHNREZNICK LLP
Auditor EIN: 221478099
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$62,870

$39,859+57.7%

$78,676-20.1%

$57,658+9.0%

Participation rate

98.7%

66.1%+32.6pp

73.6%+25.2pp

70.2%+28.5pp

Annual return

8.70%

18.96%-10.3pp

62.19%-53.5pp

5.13%+3.6pp

Employer contribution / active EE

$2,413

$1,786+35.1%

$2,850-15.3%

$1,974+22.3%

Participant deferral / active EE

$3,589

$2,248+59.7%

$3,517+2.1%

$3,061+17.3%

Admin fee / account holder

$76-97.4%

$4,510-100.0%

$95-97.9%

Provider

Service type

Compensation

FIDELITY INVESTMENTS INSTITUTIONAL2+ years

Service code 37 · EIN 04-2647786

Loan Processing

$1,138

THE COLUMBIA ASSOCIATION, INC. INCENTIVE SAVINGS PLAN AND TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

THE COLUMBIA ASSOCIATION, INC. INCENTIVE SAVINGS PLAN AND TRUST

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