Retirement plan

TRADER CONSTRUCTION CO. EMPLOYEE RETIREMENT SAVINGS PLAN

Name: TRADER CONSTRUCTION CO. - TRADER CONSTRUCTION CO. EMPLOYEE RETIREMENT SAVINGS PLAN (2019) Form 5500
Creator: TRADER CONSTRUCTION CO.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, TRADER CONSTRUCTION CO. EMPLOYEE RETIREMENT SAVINGS PLAN, TRADER CONSTRUCTION CO.

TRADER CONSTRUCTION CO.EIN 56-1010597Plan #001PY 2019

P.O. DRAWER 1578 - NEW BERN, NC 285631578252-633-2424traderconstruction.comLinkedIn51-200 employeescivil engineering

Prospect flagsLow returns

How to read this page

Total assets (EOY)

$12.8M

+17.1% from 2018

Total participants

174

0.0% from 2018

Average account balance

$91,877

+12.9% from 2018

Annual return

15.40%

+19.75 pp from 2018

Benchmarks

See 2,830 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants100-249

Cohort2,830 peers

Snapshot2019

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

Analytics

Total assets (EOY)

Plan-year ending balance

$18.81M

Not enough data

1 years with asset history on file

Average account balance

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

$115K

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.

163

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.

80.6%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.24M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$7K

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

+9.78%

Not enough data

1 years with return on file

Admin fee / account holder

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

$14

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 9 by compensation

Provider	Service type	Compensation
COMPENSATION SYSTEMS, INC.5+ years Service code 13 · EIN 56-1129270	Contract Administrator	$5,840
MASSACHUSETTS MUTUAL LIFE INS. CO.5+ years Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850	Indirect Investment Fees	$1,100
ENVESTNET RETIREMENT SOLUTIONS, LLC4+ years Filed as: ENVESTNET RETIREMENT SERVICES, LLC Service code 27 · EIN 61-1732930	Advisory (Plan)	$0
ENVESTNET RETIREMENT SOLUTIONS, LLC4+ years Service code 27	Advisory (Plan)	$0
INVESCO1 year Service code 52 · EIN 93-1036175	Indirect Investment Fees	$0
MASSACHUSETTS MUTUAL LIFE INS. CO.1 year Filed as: MASSACHUSETTS MUTUAL LIFE INS CO. Service code 52	Indirect Investment Fees	$0
MASSACHUSETTS MUTUAL LIFE INS. CO.5+ years Filed as: MASSACHUSETTS MUTUAL LIFE INS. CO Service code 52	Indirect Investment Fees	$0
MASSACHUSETTS MUTUAL LIFE INS. CO.5+ years Service code 52	Indirect Investment Fees	$0
T ROWE PRICE RPS INC3 years Filed as: T. ROWE PRICE Service code 52 · EIN 52-1151266	Indirect Investment Fees	$0

Plan features & details

Pension benefit codes2E2G2J2K3D

Plan features

2E
Profit-sharing
Profit-sharing plan.
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.
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 returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$1K

$7 / participant

Other / not subdivided$1K100.0%

% of EOY assets

0.009%

all-in expense ratio

Categories reported

0 / 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: SMITH, KESSLER & CO., PA
Auditor EIN: 570641613
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$91,877

$63,114+45.6%

$92,909-1.1%

$65,185+40.9%

Participation rate

77.6%

68.8%+8.8pp

76.0%+1.6pp

70.2%+7.4pp

Annual return

15.40%

28.75%-13.4pp

109.44%-94.0pp

29.38%-14.0pp

Employer contribution / active EE

$1,393

$2,571-45.8%

$3,653-61.9%

$2,177-36.0%

Participant deferral / active EE

$3,585

$3,108+15.3%

$4,238-15.4%

$3,514+2.0%

Admin fee / account holder

$624-98.7%

$5,795-99.9%

$847-99.1%

Provider

Service type

Compensation

COMPENSATION SYSTEMS, INC.5+ years

Service code 13 · EIN 56-1129270

Contract Administrator

$5,840

MASSACHUSETTS MUTUAL LIFE INS. CO.5+ years

Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE

Service code 52 · EIN 04-1590850

Indirect Investment Fees

$1,100

ENVESTNET RETIREMENT SOLUTIONS, LLC4+ years

Filed as: ENVESTNET RETIREMENT SERVICES, LLC

Service code 27 · EIN 61-1732930

Advisory (Plan)

ENVESTNET RETIREMENT SOLUTIONS, LLC4+ years

Service code 27

Advisory (Plan)

INVESCO1 year

Service code 52 · EIN 93-1036175

Indirect Investment Fees

MASSACHUSETTS MUTUAL LIFE INS. CO.1 year

Filed as: MASSACHUSETTS MUTUAL LIFE INS CO.

Service code 52

Indirect Investment Fees

MASSACHUSETTS MUTUAL LIFE INS. CO.5+ years

Filed as: MASSACHUSETTS MUTUAL LIFE INS. CO

Service code 52

Indirect Investment Fees

MASSACHUSETTS MUTUAL LIFE INS. CO.5+ years

Service code 52

Indirect Investment Fees

T ROWE PRICE RPS INC3 years

Filed as: T. ROWE PRICE

Service code 52 · EIN 52-1151266

Indirect Investment Fees

TRADER CONSTRUCTION CO. EMPLOYEE RETIREMENT SAVINGS PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

TRADER CONSTRUCTION CO. EMPLOYEE RETIREMENT SAVINGS 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