Retirement plan

HP-UOV 401(K) RETIREMENT PLAN

Name: THE HEALTH PLAN OF THE UPPER OHIO - HP-UOV 401(K) RETIREMENT PLAN (2017) Form 5500
Creator: THE HEALTH PLAN OF THE UPPER OHIO
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, HP-UOV 401(K) RETIREMENT PLAN, THE HEALTH PLAN OF THE UPPER OHIO

THE HEALTH PLAN OF THE UPPER OHIOEIN 55-0585592Plan #002PY 2017

52160 NATIONAL ROAD E - ST CLAIRSVILLE, OH 43950740-695-3585

Prospect flagsLow returnsLow participant contribution

How to read this page

Total assets (EOY)

$36.4M

+17.4% from 2016

Total participants

596

+12.9% from 2016

Average account balance

$63,345

+6.5% from 2016

Annual return

14.32%

+7.07 pp from 2016

Benchmarks

See 1,453 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants250-999

Cohort1,453 peers

Snapshot2017

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

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Analytics

Total assets (EOY)

Plan-year ending balance

$54.65M

Not enough data

1 years with asset history on file

Average account balance

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

$77K

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.

712

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

$4.27M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$8K

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

+10.74%

Not enough data

1 years with return on file

Admin fee / account holder

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

$257

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

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Service providers

Top 10 by compensation

Provider	Service type	Compensation
MASSACHUSETTS MUTUAL LIFE INS. CO.3+ years Service code 52 · EIN 04-1590850	Indirect Investment Fees	$3,200
AMERICAN FUNDS1 year Service code 52 · EIN 95-1411037	Indirect Investment Fees	$0
ENVESTNET RETIREMENT SOLUTIONS, LLC1 year Service code 28 · EIN 61-1732930	Investment Management	$0
LEGG MASON1 year Service code 52 · EIN 95-2705767	Indirect Investment Fees	$0
OPPENHEIMER1 year Service code 52 · EIN 93-1036175	Indirect Investment Fees	$0
PIMCO FUNDS1 year Service code 52 · EIN 95-2632339	Indirect Investment Fees	$0
STATE STREET GLOBAL ADVISORS1 year Filed as: STATE STREET INST FUNDS Service code 52 · EIN 06-1495705	Indirect Investment Fees	$0
T ROWE PRICE RPS INC1 year Filed as: T. ROWE PRICE Service code 52 · EIN 52-1827505	Indirect Investment Fees	$0
VICTORY1 year Service code 52 · EIN 90-0342299	Indirect Investment Fees	$0
WELLS FARGO BANK, N.A.1 year Filed as: WELLS FARGO Service code 52 · EIN 41-0449260	Indirect Investment Fees	$0

Plan features & details

Pension benefit codes2E2J2F2G2K3D2T

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.
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.
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

OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$3K

$6 / participant

Contract admin$3K100.0%

% of EOY assets

0.009%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Disclaimer opinion

The auditor declined to give an opinion. This is usually a 103(a)(3)(C) limited-scope election.

Auditor firm: REA & ASSOCIATES
Auditor EIN: 341310124
Audit fees: (not subdivided)
Opinion code: Disclaimer

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$63,345

$81,537-22.3%

$149,718-57.7%

$69,631-9.0%

Participation rate

95.9%

86.1%+9.8pp

87.1%+8.8pp

70.7%+25.2pp

Annual return

14.32%

22.79%-8.5pp

1501.63%-1487.3pp

27571.02%-27556.7pp

Employer contribution / active EE

$3,266

$3,239+0.8%

$5,445-40.0%

$2,032+60.7%

Participant deferral / active EE

$2,406

$4,994-51.8%

$6,569-63.4%

$3,224-25.4%

Admin fee / account holder

$107-94.8%

$11,283-100.0%

$110-95.0%

Provider

Service type

Compensation

MASSACHUSETTS MUTUAL LIFE INS. CO.3+ years

Service code 52 · EIN 04-1590850

Indirect Investment Fees

$3,200

AMERICAN FUNDS1 year

Service code 52 · EIN 95-1411037

Indirect Investment Fees

ENVESTNET RETIREMENT SOLUTIONS, LLC1 year

Service code 28 · EIN 61-1732930

Investment Management

LEGG MASON1 year

Service code 52 · EIN 95-2705767

Indirect Investment Fees

OPPENHEIMER1 year

Service code 52 · EIN 93-1036175

Indirect Investment Fees

PIMCO FUNDS1 year

Service code 52 · EIN 95-2632339

Indirect Investment Fees

STATE STREET GLOBAL ADVISORS1 year

Filed as: STATE STREET INST FUNDS

Service code 52 · EIN 06-1495705

Indirect Investment Fees

T ROWE PRICE RPS INC1 year

Filed as: T. ROWE PRICE

Service code 52 · EIN 52-1827505

Indirect Investment Fees

VICTORY1 year

Service code 52 · EIN 90-0342299

Indirect Investment Fees

WELLS FARGO BANK, N.A.1 year

Filed as: WELLS FARGO

Service code 52 · EIN 41-0449260

Indirect Investment Fees

HP-UOV 401(K) RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

HP-UOV 401(K) 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