Retirement plan

APHL 401(K) PENSION PLAN

Name: ASSOCIATION OF PUBLIC HEALTH LABORATORIES - APHL 401(K) PENSION PLAN (2020) Form 5500
Creator: ASSOCIATION OF PUBLIC HEALTH LABORATORIES
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, APHL 401(K) PENSION PLAN, ASSOCIATION OF PUBLIC HEALTH LABORATORIES

ASSOCIATION OF PUBLIC HEALTH LABORATORIESEIN 52-1800436Plan #002PY 2020

8515 GEORGIA AVENUE, STE 700 - SILVER SPRING, MD 20910240-485-2745aphpa.orgLinkedIn1-10 employeeshealth, wellness and fitness

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$24.7M

+16.9% from 2019

Total participants

177

-1.7% from 2019

Average account balance

$139,759

+18.9% from 2019

Annual return

17.04%

-6.41 pp from 2019

Benchmarks

See 1,687 peers

Peer group

Industry81 - Other Services (except Public Administration)

Plan typeDefined contribution

Participants100-249

Cohort1,687 peers

Snapshot2020

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

Analytics

Total assets (EOY)

Plan-year ending balance

$39.86M

Not enough data

1 years with asset history on file

Average account balance

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

$133K

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.

299

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.

100.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$4.42M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$19K

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

+15.37%

Not enough data

1 years with return on file

Admin fee / account holder

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

$543

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 5 by compensation

Provider	Service type	Compensation
LPL FINANCIAL6+ years Filed as: LPL FINANCIAL RET PLAN CONSULTING Service code 27 · EIN 04-3046611 PO BOX 502533 · SAN DIEGO, CA 92150	Advisory (Plan)	$45,732
GREAT-WEST LIFE & ANNUITY INSURANCE2 years Filed as: GREAT WEST LIFE & ANNUITY Service code 64 · EIN 84-0467907 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Recordkeeping Fees	$31,462
GREAT-WEST LIFE & ANNUITY INSURANCE2 years Filed as: ADVISED ADVISORY SERVICE Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Investment Management	$19,786
JM PENSION ADVISORY, INC.6+ years Service code 13 · EIN 52-1910770 3905 NATIONAL DRIVE, SUITE 375 · BURTONSVILLE, MD 20866	Contract Administrator	$7,430
GELMAN PENSION CONSULTING, INC.6+ years Filed as: GELMAN, ROSENBERG & FREEDMAN, P.C. Service code 10 4550 MONTGOMERY AVENUE, SUITE 650N · BETHESDA, MD 20814	Accounting	$0

Plan features & details

Pension benefit codes2E2F2G2J2S2T3D

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.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
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

1 tripped

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

$104K

$869 / participant

Investment mgmt$104K100.0%

% of EOY assets

0.422%

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: GELMAN, ROSENBURG, AND FREEDMAN
Auditor EIN: 521392008
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$139,759

$66,124+111.4%

$90,461+54.5%

$73,497+90.2%

Participation rate

100.0%

69.7%+30.3pp

72.7%+27.3pp

70.7%+29.3pp

Annual return

17.04%

17.65%-0.6pp

1294.76%-1277.7pp

28.51%-11.5pp

Employer contribution / active EE

$10,972

$2,346+367.6%

$3,264+236.2%

$2,270+383.3%

Participant deferral / active EE

$8,040

$3,039+164.6%

$3,964+102.8%

$3,740+115.0%

Admin fee / account holder

$589

$396+48.8%

$5,617-89.5%

$513+14.9%

Provider

Service type

Compensation

LPL FINANCIAL6+ years

Filed as: LPL FINANCIAL RET PLAN CONSULTING

Service code 27 · EIN 04-3046611

PO BOX 502533 · SAN DIEGO, CA 92150

Advisory (Plan)

$45,732

GREAT-WEST LIFE & ANNUITY INSURANCE2 years

Filed as: GREAT WEST LIFE & ANNUITY

Service code 64 · EIN 84-0467907

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Recordkeeping Fees

$31,462

GREAT-WEST LIFE & ANNUITY INSURANCE2 years

Filed as: ADVISED ADVISORY SERVICE

Service code 28

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Investment Management

$19,786

JM PENSION ADVISORY, INC.6+ years

Service code 13 · EIN 52-1910770

3905 NATIONAL DRIVE, SUITE 375 · BURTONSVILLE, MD 20866

Contract Administrator

$7,430

GELMAN PENSION CONSULTING, INC.6+ years

Filed as: GELMAN, ROSENBERG & FREEDMAN, P.C.

Service code 10

4550 MONTGOMERY AVENUE, SUITE 650N · BETHESDA, MD 20814

Accounting

APHL 401(K) PENSION PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

APHL 401(K) PENSION 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