Retirement plan

BECKLEY'S CAMPING CENTER RETIREMENT PLAN

Name: BECKLEY'S CAMPING CENTER BECKLEY'S CAMPING CENTER - BECKLEY'S CAMPING CENTER RETIREMENT PLAN (2024) Form 5500
Creator: BECKLEY'S CAMPING CENTER BECKLEY'S CAMPING CENTER
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, BECKLEY'S CAMPING CENTER RETIREMENT PLAN, BECKLEY'S CAMPING CENTER BECKLEY'S CAMPING CENTER

BECKLEY'S CAMPING CENTER BECKLEY'S CAMPING CENTEREIN 52-1237815Plan #001PY 2024

11109 ANGLEBERGER RD. - THURMONT, MD 21788301-898-3300

Prospect flagsLow returnsHigh fees

How to read this page

Total assets (EOY)

$18.3M

+15.6% from 2023

Total participants

153

-2.5% from 2023

Average account balance

$128,623

+18.0% from 2023

Annual return

10.59%

-5.18 pp from 2023

Benchmarks

See 490 peers

Peer group

Industry45 - Retail Trade

Plan typeDefined contribution

Participants100-249

Cohort490 peers

Snapshot2024

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

Analytics

Total assets (EOY)

Plan-year ending balance

$18.26M

Not enough data

1 years with asset history on file

Average account balance

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

$129K

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.

142

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.

91.7%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.17M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$9K

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

+10.59%

Not enough data

1 years with return on file

Admin fee / account holder

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

$798

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 6 by compensation

Provider	Service type	Compensation
PRINCIPAL LIFE INSURANCE COMPANY7 years Service code 13 · EIN 42-0127290	Contract Administrator	$123,657
RBC WEALTH MANAGEMENT5 years Filed as: RBC CAPITAL MARKETS, LLC Service code 27 · EIN 41-1416330	Advisory (Plan)	$40,233
LINTON SHAFER WARFIELD & GARRETT. P6 years Service code 10	Accounting	$13,950
PRIME BENEFITS, INC.7 years Filed as: PRIME BENEFITS INC. Service code 13 · EIN 52-2204662	Contract Administrator	$13,734
LSWG1 year Filed as: LSWG, P.A. Service code 10 · EIN 52-1273734	Accounting	$0
MORNINGSTAR1 year Filed as: MORNINGSTAR INVESTMENT MANAGEMENT Service code 26 · EIN 36-4317381	Advisory (Participants)	$0

Plan features & details

Pension benefit codes2A2E2F2J2T3D2G

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).
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

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$113K

$859 / participant

Contract admin$113K100.0%

% of EOY assets

0.621%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: LSWG, PA
Auditor EIN: 521273734
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$128,623

$59,006+118.0%

$97,295+32.2%

$74,478+72.7%

Participation rate

91.7%

63.7%+28.0pp

72.7%+19.0pp

67.2%+24.4pp

Annual return

10.59%

16.04%-5.4pp

75.62%-65.0pp

1370.56%-1360.0pp

Employer contribution / active EE

$5,208

$1,894+175.0%

$2,723+91.3%

$2,626+98.3%

Participant deferral / active EE

$3,659

$3,671-0.3%

$4,264-14.2%

$4,350-15.9%

Admin fee / account holder

$798

$1,974-59.6%

$5,646-85.9%

$1,946-59.0%

Provider

Service type

Compensation

PRINCIPAL LIFE INSURANCE COMPANY7 years

Service code 13 · EIN 42-0127290

Contract Administrator

$123,657

RBC WEALTH MANAGEMENT5 years

Filed as: RBC CAPITAL MARKETS, LLC

Service code 27 · EIN 41-1416330

Advisory (Plan)

$40,233

LINTON SHAFER WARFIELD & GARRETT. P6 years

Service code 10

Accounting

$13,950

PRIME BENEFITS, INC.7 years

Filed as: PRIME BENEFITS INC.

Service code 13 · EIN 52-2204662

Contract Administrator

$13,734

LSWG1 year

Filed as: LSWG, P.A.

Service code 10 · EIN 52-1273734

Accounting

MORNINGSTAR1 year

Filed as: MORNINGSTAR INVESTMENT MANAGEMENT

Service code 26 · EIN 36-4317381

Advisory (Participants)

BECKLEY'S CAMPING CENTER RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

BECKLEY'S CAMPING CENTER 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