Retirement plan

COURTESY FORD, INC. EMPLOYEE 401(K) PLAN

Name: COURTESY FORD, INC. - COURTESY FORD, INC. EMPLOYEE 401(K) PLAN (2016) Form 5500
Creator: COURTESY FORD, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, COURTESY FORD, INC. EMPLOYEE 401(K) PLAN, COURTESY FORD, INC.

COURTESY FORD, INC.EIN 58-0943526Plan #001PY 2016

1636 DOGWOOD DRIVE, S.E. - CONYERS, GA 30013770-922-2700romefordlinc.comLinkedIn1-10 employees

Prospect flagsLow participationLow participant contribution

How to read this page

Total assets (EOY)

$1.7M

+19.0% from 2015

Total participants

158

+31.7% from 2015

Average account balance

$24,879

+3.2% from 2015

Annual return

11.89%

+16.86 pp from 2015

Benchmarks

See 2,356 peers

Peer group

Industry44 - Retail Trade

Plan typeDefined contribution

Participants100-249

Cohort2,356 peers

Snapshot2016

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

Analytics

Total assets (EOY)

Plan-year ending balance

$4.63M

Not enough data

1 years with asset history on file

Average account balance

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

$40K

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.

115

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.

42.8%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$757K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$3K

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

+9.10%

Not enough data

1 years with return on file

Admin fee / account holder

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

$5732

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

0 years with F_SCH_H allocation on file

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

Service providers

Top 3 by compensation

Provider	Service type	Compensation
SWERDLIN & COMPANY2+ years Service code 13 5901 PEACHTREE DUNWOODY ROAD · ATLANTA, GA 30328	Contract Administrator	$10,488
CLIFTONLARSONALLEN LLP2+ years Service code 10 101 N. TRYON STREET · CHARLOTTE, NC 28246	Accounting	$6,120
FIRST MERCANTILE TRUST COMPANY2+ years Filed as: FIRST MERCANTILE Service code 15 57 GERMANTOWN COURT · CORDOVA, TN 38018	Recordkeeping	$2,465

Plan features & details

Pension benefit codes2F2G2J2K3D

Plan features

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.
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 participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$19K

$137 / participant

Other / not subdivided$19K100.0%

% of EOY assets

1.122%

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: CLIFTONLARSONALLEN,LLP
Auditor EIN: 410746749
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$24,879

$42,546-41.5%

$71,796-65.3%

$55,167-54.9%

Participation rate

35.3%

59.1%-23.9pp

69.1%-33.9pp

69.0%-33.7pp

Annual return

11.89%

12.36%-0.5pp

78.04%-66.1pp

169.23%-157.3pp

Employer contribution / active EE

$803-100.0%

$1,924-100.0%

$1,963-100.0%

Participant deferral / active EE

$818

$2,064-60.4%

$2,794-70.7%

$3,054-73.2%

Admin fee / account holder

$279

$650-57.0%

$4,815-94.2%

$504-44.6%

Provider

Service type

Compensation

SWERDLIN & COMPANY2+ years

Service code 13

5901 PEACHTREE DUNWOODY ROAD · ATLANTA, GA 30328

Contract Administrator

$10,488

CLIFTONLARSONALLEN LLP2+ years

Service code 10

101 N. TRYON STREET · CHARLOTTE, NC 28246

Accounting

$6,120

FIRST MERCANTILE TRUST COMPANY2+ years

Filed as: FIRST MERCANTILE

Service code 15

57 GERMANTOWN COURT · CORDOVA, TN 38018

Recordkeeping

$2,465

COURTESY FORD, INC. EMPLOYEE 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

COURTESY FORD, INC. EMPLOYEE 401(K) 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