Retirement plan

THE HEALTH PLAN OF WEST VIRGINIA INC. 401(K) RETIREMENT PLAN

Name: THE HEALTH PLAN OF THE UPPER OHIO - THE HEALTH PLAN OF WEST VIRGINIA INC. 401(K) RETIREMENT PLAN (2018) Form 5500
Creator: THE HEALTH PLAN OF THE UPPER OHIO
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, THE HEALTH PLAN OF WEST VIRGINIA INC. 401(K) RETIREMENT PLAN, THE HEALTH PLAN OF THE UPPER OHIO

THE HEALTH PLAN OF THE UPPER OHIOEIN 55-0585592Plan #002PY 2018

1110 MAIN STREET - WHEELING, WV 26003800-624-6961

Prospect flagsLow participant contribution

How to read this page

Total assets (EOY)

$35.8M

-1.7% from 2017

Total participants

562

-5.7% from 2017

Average account balance

$64,310

+1.5% from 2017

Annual return

-2.83%

-17.16 pp from 2017

Benchmarks

See 1,457 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants250-999

Cohort1,457 peers

Snapshot2018

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

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

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

Service providers

Top 10 of 11 by compensation

Provider	Service type	Compensation
MASSACHUSETTS MUTUAL LIFE INS. CO.4+ years Service code 49 · EIN 04-1590850	Other Services	$4,875
AMERICAN FUNDS2 years Service code 52 · EIN 95-1411037	Indirect Investment Fees	$0
BLACKROCK1 year Service code 52 · EIN 51-0318674	Indirect Investment Fees	$0
THE BANK OF NEW YORK MELLON1 year Filed as: DREYFUS Service code 52 · EIN 13-3851784	Indirect Investment Fees	$0
LEGG MASON2 years Service code 52 · EIN 95-2705767	Indirect Investment Fees	$0
OPPENHEIMER2 years Service code 52 · EIN 93-1036175	Indirect Investment Fees	$0
PIMCO FUNDS2 years Service code 52 · EIN 95-2632339	Indirect Investment Fees	$0
STATE STREET GLOBAL ADVISORS2 years Filed as: STATE STREET INST FUNDS Service code 52 · EIN 06-1495734	Indirect Investment Fees	$0
T ROWE PRICE RPS INC2 years Filed as: T. ROWE PRICE Service code 52 · EIN 52-1827505	Indirect Investment Fees	$0
VICTORY2 years Service code 52 · EIN 31-6364605	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

1 tripped

OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$5K

$10 / participant

Contract admin$5K100.0%

% of EOY assets

0.014%

all-in expense ratio

Categories reported

1 / 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: REA AND ASSOCIATES
Auditor EIN: 341310124
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$64,310

$80,005-19.6%

$140,019-54.1%

$55,725+15.4%

Participation rate

98.9%

87.0%+11.9pp

87.5%+11.4pp

70.9%+28.1pp

Annual return

-2.83%

0.46%-3.3pp

651.17%-654.0pp

244.93%-247.8pp

Employer contribution / active EE

$3,705

$3,403+8.9%

$5,605-33.9%

$2,078+78.3%

Participant deferral / active EE

$2,893

$5,264-45.0%

$6,927-58.2%

$3,356-13.8%

Admin fee / account holder

$116-92.4%

$10,705-99.9%

$115-92.4%

Provider

Service type

Compensation

MASSACHUSETTS MUTUAL LIFE INS. CO.4+ years

Service code 49 · EIN 04-1590850

Other Services

$4,875

AMERICAN FUNDS2 years

Service code 52 · EIN 95-1411037

Indirect Investment Fees

BLACKROCK1 year

Service code 52 · EIN 51-0318674

Indirect Investment Fees

THE BANK OF NEW YORK MELLON1 year

Filed as: DREYFUS

Service code 52 · EIN 13-3851784

Indirect Investment Fees

LEGG MASON2 years

Service code 52 · EIN 95-2705767

Indirect Investment Fees

OPPENHEIMER2 years

Service code 52 · EIN 93-1036175

Indirect Investment Fees

PIMCO FUNDS2 years

Service code 52 · EIN 95-2632339

Indirect Investment Fees

STATE STREET GLOBAL ADVISORS2 years

Filed as: STATE STREET INST FUNDS

Service code 52 · EIN 06-1495734

Indirect Investment Fees

T ROWE PRICE RPS INC2 years

Filed as: T. ROWE PRICE

Service code 52 · EIN 52-1827505

Indirect Investment Fees

VICTORY2 years

Service code 52 · EIN 31-6364605

Indirect Investment Fees

THE HEALTH PLAN OF WEST VIRGINIA INC. 401(K) RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

THE HEALTH PLAN OF WEST VIRGINIA INC. 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