Retirement plan

GRAPHIC COMMUNICATIONS UNION LOCAL 527-S DEFINED CONTRIBUTION RETIREMENT PLAN

Name: THE BOARD OF TRUSTEES OF GRAPHIC COMMUNICATIONS LOCAL 527-S - GRAPHIC COMMUNICATIONS UNION LOCAL 527-S DEFINED CONTRIBUTION RETIREMENT PLAN (2015) Form 5500
Creator: THE BOARD OF TRUSTEES OF GRAPHIC COMMUNICATIONS LOCAL 527-S
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, GRAPHIC COMMUNICATIONS UNION LOCAL 527-S DEFINED CONTRIBUTION RETIREMENT PLAN, THE BOARD OF TRUSTEES OF GRAPHIC COMMUNICATIONS LOCAL 527-S

THE BOARD OF TRUSTEES OF GRAPHIC COMMUNICATIONS LOCAL 527-SEIN 58-0811174Plan #001PY 2015

715 VETERANS MEMORIAL HIGHWAY, PO BOX 641 - MABLETON, GA 301263324770-994-7348

Prospect flagsLow assets / participantLow employer contribution

How to read this page

Total assets (EOY)

$9.5M

No prior year

Total participants

767

No prior year

Average account balance

$12,429

No prior year

Annual return

-0.34%

No prior year

Benchmarks

See 1,069 peers

Peer group

Industry32 - Manufacturing

Plan typeDefined contribution

Participants250-999

Cohort1,069 peers

Snapshot2015

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

Analytics

Total assets (EOY)

Plan-year ending balance

$11.38M

Not enough data

1 years with asset history on file

Average account balance

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

$24K

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.

483

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

$1.33M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$5K

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

+9.14%

Not enough data

1 years with return on file

Admin fee / account holder

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

$239

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 4 by compensation

Provider	Service type	Compensation
GRAPHIC COMMUN. LOCAL 527-S1+ years Service code 14 · EIN 58-6236406	Plan Administrator	$86,004
PRUDENTIAL RETIREMENT INSURANCE AND1+ years Service code 13 · EIN 06-1050034	Contract Administrator	$30,913
AGH WEALTH ADVISORS, LLC1+ years Filed as: AGH, LLC Service code 10 · EIN 58-2588678	Accounting	$9,500
PRUDENTIAL RETIREMENT INSURANCE AND1+ years Filed as: PRUDENTIAL RETIREMENT INSURANCE Service code 15	Recordkeeping	$0

Plan features & details

Pension benefit codes2E2F2G2J2T3D

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.
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 employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.
OpportunityLow assets / participant
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.

Expense breakdown

Schedule H Part II

Admin total

$154K

$220 / participant

Investment mgmt$61K39.4%
Contract admin$68K44.1%
Other / not subdivided$25K16.5%

% of EOY assets

1.613%

all-in expense ratio

Categories reported

2 / 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: AGH, LLC
Auditor EIN: 582588678
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$12,429

$62,324-80.1%

$68,509-81.9%

$55,191-77.5%

Participation rate

100.0%

78.9%+21.1pp

74.7%+25.3pp

69.2%+30.8pp

Annual return

-0.34%

4.26%-4.6pp

8.27%-8.6pp

10.78%-11.1pp

Employer contribution / active EE

$179

$2,223-91.9%

$2,278-92.1%

$1,899-90.6%

Participant deferral / active EE

$1,721

$3,425-49.8%

$3,382-49.1%

$3,046-43.5%

Admin fee / account holder

$201

$91+119.4%

$5,275-96.2%

$91+120.9%

Provider

Service type

Compensation

GRAPHIC COMMUN. LOCAL 527-S1+ years

Service code 14 · EIN 58-6236406

Plan Administrator

$86,004

PRUDENTIAL RETIREMENT INSURANCE AND1+ years

Service code 13 · EIN 06-1050034

Contract Administrator

$30,913

AGH WEALTH ADVISORS, LLC1+ years

Filed as: AGH, LLC

Service code 10 · EIN 58-2588678

Accounting

$9,500

PRUDENTIAL RETIREMENT INSURANCE AND1+ years

Filed as: PRUDENTIAL RETIREMENT INSURANCE

Service code 15

Recordkeeping

GRAPHIC COMMUNICATIONS UNION LOCAL 527-S DEFINED CONTRIBUTION RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

GRAPHIC COMMUNICATIONS UNION LOCAL 527-S DEFINED CONTRIBUTION 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