Retirement plan

EMERGE, INC. RETIREMENT PLAN

Name: EMERGE, INC. - EMERGE, INC. RETIREMENT PLAN (2016) Form 5500
Creator: EMERGE, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, EMERGE, INC. RETIREMENT PLAN, EMERGE, INC.

EMERGE, INC.EIN 52-1073386Plan #001PY 2016

9180 RUMSEY ROAD - COLUMBIA, MD 210451965410-884-4420emergeinc.orgLinkedIn501-1000 employeeshospital & health care

Prospect flagsLow participationLow employer contributionLow participant contribution

How to read this page

Total assets (EOY)

$2.6M

+8.5% from 2015

Total participants

356

-7.3% from 2015

Average account balance

$27,948

+2.6% from 2015

Annual return

5.94%

+7.55 pp from 2015

Benchmarks

See 3,733 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants250-999

Cohort3,733 peers

Snapshot2016

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

Analytics

Total assets (EOY)

Plan-year ending balance

$5.36M

Not enough data

1 years with asset history on file

Average account balance

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

$34K

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.

156

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.

27.1%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$546K

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

+9.54%

Not enough data

1 years with return on file

Admin fee / account holder

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

$311

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 7 by compensation

Provider	Service type	Compensation
GREAT-WEST LIFE & ANNUITY INSURANCE2+ years Filed as: GREAT WEST LIFE & ANNUITY Service code 64 8515 EAST ORCHARD RD · GREENWOOD VILLAGE, CO 80111	Recordkeeping Fees	$24,122
INVESTORS CAPITAL CORPORATION1 year Filed as: INVESTORS CAPITAL CORP Service code 55	Other Commissions	$10,977
UNITED RETIREMENT INC1 year Service code 13	Contract Administrator	$2,264
CETERA ADVISOR NETWORKS LLC1 year Filed as: CETERA ADVISORS, LLC Service code 55 200 N SEPULVEDA SUITE 1200 · EL SEGUNDO, CA 90245	Other Commissions	$2,000
GREAT-WEST LIFE & ANNUITY INSURANCE1 year Filed as: EMPOWER RETIREMENT ADVISORY SERVICE Service code 28 8515 E ORCHARD RD · GREENWOOD VILLAGE, CO 80111	Investment Management	$31
INVESTORS CAPITAL CORPORATION2+ years Filed as: INVESTORS CAPITAL Service code 55 6 KIMBALL LN · LYNNFIELD, MA 01940	Other Commissions	$0
UNITED RETIREMENT INC1 year Filed as: UNITED RETIREMENT, INC Service code 13 4000 CRUMS MILL ROAD SUITE 102 · HARRISBURG, PA 17112	Contract Administrator	$0

Plan features & details

Pension benefit codes2E2G2J2K3D

Plan features

2E
Profit-sharing
Profit-sharing plan.
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.
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

3 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
OpportunityLow employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$24K

$69 / participant

Other / not subdivided$24K100.0%

% of EOY assets

0.930%

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: KUCZAK AND ASSOCIATES, P.A.
Auditor EIN: 522060391
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$27,948

$36,916-24.3%

$156,551-82.1%

$57,658-51.5%

Participation rate

23.9%

63.4%-39.5pp

84.0%-60.1pp

70.2%-46.3pp

Annual return

5.94%

12.38%-6.4pp

32.23%-26.3pp

5.13%+0.8pp

Employer contribution / active EE

$174

$1,571-88.9%

$5,501-96.8%

$1,974-91.2%

Participant deferral / active EE

$423

$1,926-78.0%

$4,871-91.3%

$3,061-86.2%

Admin fee / account holder

$260

$82+215.0%

$13,028-98.0%

$95+174.8%

Provider

Service type

Compensation

GREAT-WEST LIFE & ANNUITY INSURANCE2+ years

Filed as: GREAT WEST LIFE & ANNUITY

Service code 64

8515 EAST ORCHARD RD · GREENWOOD VILLAGE, CO 80111

Recordkeeping Fees

$24,122

INVESTORS CAPITAL CORPORATION1 year

Filed as: INVESTORS CAPITAL CORP

Service code 55

Other Commissions

$10,977

UNITED RETIREMENT INC1 year

Service code 13

Contract Administrator

$2,264

CETERA ADVISOR NETWORKS LLC1 year

Filed as: CETERA ADVISORS, LLC

Service code 55

200 N SEPULVEDA SUITE 1200 · EL SEGUNDO, CA 90245

Other Commissions

$2,000

GREAT-WEST LIFE & ANNUITY INSURANCE1 year

Filed as: EMPOWER RETIREMENT ADVISORY SERVICE

Service code 28

8515 E ORCHARD RD · GREENWOOD VILLAGE, CO 80111

Investment Management

$31

INVESTORS CAPITAL CORPORATION2+ years

Filed as: INVESTORS CAPITAL

Service code 55

6 KIMBALL LN · LYNNFIELD, MA 01940

Other Commissions

UNITED RETIREMENT INC1 year

Filed as: UNITED RETIREMENT, INC

Service code 13

4000 CRUMS MILL ROAD SUITE 102 · HARRISBURG, PA 17112

Contract Administrator

EMERGE, INC. RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

EMERGE, INC. RETIREMENT 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