Retirement plan

EQUIFAX INC. 401K PLAN

Name: EQUIFAX INC. - EQUIFAX INC. 401K PLAN (2021) Form 5500
Creator: EQUIFAX INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, EQUIFAX INC. 401K PLAN, EQUIFAX INC.

EQUIFAX INC.EIN 58-0401110Plan #003PY 2021

1550 PEACHTREE STREET NW - ATLANTA, GA 303090000404-885-8000equifax.comLinkedIn10001+ employeesfinancial services

Other plans on this EIN

1 filing

#001Retirement-$566.4M assets

Prospect flagsCorrective distributions

Top hat statement on fileNQDC

Filed January 18, 2022 (most recent of 7 filings on file)

Plan administrator

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1550 Peachtree Street N.W.

Atlanta, GA 30309

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Plans declared (1)

Equifax Inc. Employee Deferred Compensation Plan64 emp

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Total assets (EOY)

$1384M

-10.6% from 2016

Total participants

10,102

-6.1% from 2016

Average account balance

$141,258

-3.8% from 2016

Annual return

18.40%

-3.62 pp from 2016

Benchmarks

See 97 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants5,000-9,999

Cohort97 peers

Snapshot2021

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

Analytics

Total assets (EOY)

Plan-year ending balance

$1.47B

Not enough data

1 years with asset history on file

Average account balance

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

$152K

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.

9,702

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.

95.5%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$112.69M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$18K

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

+14.48%

Not enough data

1 years with return on file

Admin fee / account holder

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

$75

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 of 20 by compensation

Provider	Service type	Compensation
FINANCIAL ENGINES7+ years Service code 27 · EIN 77-0473565	Advisory (Plan)	$588,109
FIDELITY INVESTMENTS INSTITUTIONAL7+ years Filed as: FIDELITY INV. INST. OPER. CO., INC Service code 37 · EIN 04-2647786	Loan Processing	$386,842
SAGEVIEW ADVISORY GROUP, LLC5 years Filed as: SAGEVIEW Service code 27 · EIN 33-0818667	Advisory (Plan)	$67,000
SMITH & HOWARD, PC6 years Filed as: SMITH & HOWARD Service code 10 · EIN 58-1250486	Accounting	$44,194
KILPATRICK TOWNSEND7+ years Service code 29 · EIN 58-0511774	Legal	$12,418
AMERICAN REALTY ADVISORS7+ years Filed as: AMERICAN BEACON Service code 60	Sub-TA Fees	$0
BAIRD INSURANCE SERVICES INC6 years Filed as: BAIRD Service code 60	Sub-TA Fees	$0
DIMENSIONAL FUND ADVISORS3 years Service code 60	Sub-TA Fees	$0
FIDELITY INVESTMENTS INSTITUTIONAL4 years Filed as: FIDELITY INSTITUTIONAL ASSET MANAGE Service code 60	Sub-TA Fees	$0
FIDELITY INVESTMENTS INSTITUTIONAL4 years Filed as: FIDELITY INSTITUTIONAL ASSET MNG Service code 60	Sub-TA Fees	$0

Plan features & details

Pension benefit codes2E2F2G2J2K3F3H

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.
3F
Leased employees
Plan sponsor(s) received services of leased employees as defined in Code section 414(n) during the plan year.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

1 tripped

ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$1.2M

$174 / participant

Other / not subdivided$1M100.0%

% of EOY assets

0.086%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: SMITH & HOWARD, P.C.
Auditor EIN: 581250486
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$141,258

$136,780+3.3%

$189,534-25.5%

$101,555+39.1%

Participation rate

95.6%

90.9%+4.7pp

87.8%+7.8pp

74.5%+21.0pp

Annual return

18.40%

37.00%-18.6pp

555.39%-537.0pp

21.00%-2.6pp

Employer contribution / active EE

$4,840

$4,857-0.3%

$6,162-21.5%

$2,972+62.8%

Participant deferral / active EE

$9,519

$7,572+25.7%

$8,220+15.8%

$4,874+95.3%

Admin fee / account holder

$121

$64+89.4%

$12,049-99.0%

$139-12.9%

Provider

Service type

Compensation

FINANCIAL ENGINES7+ years

Service code 27 · EIN 77-0473565

Advisory (Plan)

$588,109

FIDELITY INVESTMENTS INSTITUTIONAL7+ years

Filed as: FIDELITY INV. INST. OPER. CO., INC

Service code 37 · EIN 04-2647786

Loan Processing

$386,842

SAGEVIEW ADVISORY GROUP, LLC5 years

Filed as: SAGEVIEW

Service code 27 · EIN 33-0818667

Advisory (Plan)

$67,000

SMITH & HOWARD, PC6 years

Filed as: SMITH & HOWARD

Service code 10 · EIN 58-1250486

Accounting

$44,194

KILPATRICK TOWNSEND7+ years

Service code 29 · EIN 58-0511774

Legal

$12,418

AMERICAN REALTY ADVISORS7+ years

Filed as: AMERICAN BEACON

Service code 60

Sub-TA Fees

BAIRD INSURANCE SERVICES INC6 years

Filed as: BAIRD

Service code 60

Sub-TA Fees

DIMENSIONAL FUND ADVISORS3 years

Service code 60

Sub-TA Fees

FIDELITY INVESTMENTS INSTITUTIONAL4 years

Filed as: FIDELITY INSTITUTIONAL ASSET MANAGE

Service code 60

Sub-TA Fees

FIDELITY INVESTMENTS INSTITUTIONAL4 years

Filed as: FIDELITY INSTITUTIONAL ASSET MNG

Service code 60

Sub-TA Fees

EQUIFAX INC. 401K PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

EQUIFAX INC. 401K PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

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