Retirement plan

APHL 401(K) PENSION PLAN

Name: ASSOCIATION OF PUBLIC HEALTH LABORATORIES - APHL 401(K) PENSION PLAN (2021) 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 2021

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)

$29.7M

+19.9% from 2020

Total participants

182

+2.8% from 2020

Average account balance

$162,993

+16.6% from 2020

Annual return

14.71%

-2.33 pp from 2020

Benchmarks

See 1,683 peers

Peer group

Industry81 - Other Services (except Public Administration)

Plan typeDefined contribution

Participants100-249

Cohort1,683 peers

Snapshot2021

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

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Analytics

Total assets (EOY)

Plan-year ending balance

$48.95M

Not enough data

1 years with asset history on file

Average account balance

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

$169K

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.

289

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

$4.82M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$21K

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

+16.73%

Not enough data

1 years with return on file

Admin fee / account holder

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

$640

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 10-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 6 by compensation

Provider	Service type	Compensation
GREAT-WEST LIFE & ANNUITY INSURANCE3 years Filed as: GREAT WEST LIFE & ANNUITY Service code 64 · EIN 84-0467907 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Recordkeeping Fees	$48,305
LPL FINANCIAL7+ years Filed as: LPL FINANCIAL RET PLAN CONSULTING Service code 27 · EIN 04-3046611 PO BOX 502533 · SAN DIEGO, CA 92150	Advisory (Plan)	$28,168
GREAT-WEST LIFE & ANNUITY INSURANCE3 years Filed as: ADVISED ADVISORY SERVICE Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Investment Management	$26,718
GLOBAL RETIREMENT PARTNERS LLC1 year Filed as: GLOBAL RETIREMENT PARTNERS, LLC Service code 27 4340 REDWOOD HWY · SAN RAFAEL, CA 94903	Advisory (Plan)	$20,396
GELMAN PENSION CONSULTING, INC.7+ years Filed as: GELMAN, ROSENBERG & FREEDMAN, P.C. Service code 10 4550 MONTGOMERY AVENUE, SUITE 650N · BETHESDA, MD 20814	Accounting	$15,473
JM PENSION ADVISORY, INC.7+ years Service code 13 · EIN 52-1910770 3905 NATIONAL DRIVE, SUITE 375 · BURTONSVILLE, MD 20866	Contract Administrator	$7,170

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

$145K

$844 / participant

Other / not subdivided$145K100.0%

% of EOY assets

0.489%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

The auditor signed off without reservation. This is the cleanest opinion.

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

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$162,993

$63,745+155.7%

$98,442+65.6%

$79,386+105.3%

Participation rate

100.0%

69.9%+30.1pp

73.3%+26.7pp

70.7%+29.3pp

Annual return

14.71%

625.80%-611.1pp

1492.73%-1478.0pp

116.85%-102.1pp

Employer contribution / active EE

$7,826

$2,557+206.1%

$2,960+164.4%

$2,427+222.4%

Participant deferral / active EE

$6,088

$3,303+84.3%

$4,276+42.4%

$4,046+50.5%

Admin fee / account holder

$797

$516+54.6%

$5,949-86.6%

$626+27.3%

Provider

Service type

Compensation

GREAT-WEST LIFE & ANNUITY INSURANCE3 years

Filed as: GREAT WEST LIFE & ANNUITY

Service code 64 · EIN 84-0467907

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Recordkeeping Fees

$48,305

LPL FINANCIAL7+ years

Filed as: LPL FINANCIAL RET PLAN CONSULTING

Service code 27 · EIN 04-3046611

PO BOX 502533 · SAN DIEGO, CA 92150

Advisory (Plan)

$28,168

GREAT-WEST LIFE & ANNUITY INSURANCE3 years

Filed as: ADVISED ADVISORY SERVICE

Service code 28

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Investment Management

$26,718

GLOBAL RETIREMENT PARTNERS LLC1 year

Filed as: GLOBAL RETIREMENT PARTNERS, LLC

Service code 27

4340 REDWOOD HWY · SAN RAFAEL, CA 94903

Advisory (Plan)

$20,396

GELMAN PENSION CONSULTING, INC.7+ years

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

Service code 10

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

Accounting

$15,473

JM PENSION ADVISORY, INC.7+ years

Service code 13 · EIN 52-1910770

3905 NATIONAL DRIVE, SUITE 375 · BURTONSVILLE, MD 20866

Contract Administrator

$7,170

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