Retirement plan

CONTRACTORS RETIREMENT PLAN

Name: GEORGIA UTILITY CONTRACTORS ASSOCIATION - CONTRACTORS RETIREMENT PLAN (2016) Form 5500
Creator: GEORGIA UTILITY CONTRACTORS ASSOCIATION
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CONTRACTORS RETIREMENT PLAN, GEORGIA UTILITY CONTRACTORS ASSOCIATION

GEORGIA UTILITY CONTRACTORS ASSOCIATIONEIN 58-1105177Plan #001PY 2016

804 MAIN STREET, SUITE C - FOREST PARK, GA 30297404-362-9995guca.comLinkedIn1-10 employeesconstruction

Prospect flagsHigh cashLow participationFailed to transmit contributions

How to read this page

Total assets (EOY)

$5.4M

+131.7% from 2015

Total participants

358

+167.2% from 2015

Average account balance

$20,829

+13.6% from 2015

Annual return

111.52%

+86.57 pp from 2015

Benchmarks

See 783 peers

Peer group

Industry81 - Other Services (except Public Administration)

Plan typeDefined contribution

Participants250-999

Cohort783 peers

Snapshot2016

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Analytics

Total assets (EOY)

Plan-year ending balance

$35.83M

Not enough data

1 years with asset history on file

Average account balance

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

$29K

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.

1,228

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

$4.56M

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

+44.54%

Not enough data

1 years with return on file

Admin fee / account holder

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

$234

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 3 by compensation

Provider	Service type	Compensation
BLUESTAR RETIREMENT SERVICES1 year Service code 13 · EIN 59-3092339	Contract Administrator	$24,177
BENSOURCE EMPLOYEE BENEFITS1 year Service code 26 · EIN 27-1598845	Advisory (Participants)	$14,282
TD AMERITRADE, INC.1 year Filed as: TD AMERITRADE TRUST COMPANY Service code 19 · EIN 20-0937408	Securities Custodian	$559

Plan features & details

Pension benefit codes2A2E2F2G2J2K2T3D

Plan features

2A
Age/service weighted or new comparability plan
Age/service weighted plan where allocations are based on age service or age and service; or new comparability or similar plan where allocations are based on participant classifications consisting entirely or predominantly of highly compensated employees or the plan provides an additional allocation rate on compensation above a specified threshold that exceeds the permitted disparity limits of Code section 401(l).
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

3 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityHigh cash
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
ComplianceFailed to transmit contributions
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).

Expense breakdown

Schedule H Part II

Admin total

$39K

$117 / participant

Investment mgmt$14K36.6%
Contract admin$25K63.4%

% of EOY assets

0.729%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Disclaimer opinion

The auditor declined to give an opinion. This is usually a 103(a)(3)(C) limited-scope election.

Auditor firm: TEMPLETON & COMPANY, LLP
Auditor EIN: 141918990
Audit fees: (not subdivided)
Opinion code: Disclaimer

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$20,829

$39,859-47.7%

$78,689-73.5%

$57,658-63.9%

Participation rate

69.7%

66.1%+3.6pp

73.6%-3.9pp

70.2%-0.6pp

Annual return

111.52%

18.96%+92.6pp

62.18%+49.3pp

5.13%+106.4pp

Employer contribution / active EE

$756

$1,786-57.7%

$2,851-73.5%

$1,974-61.7%

Participant deferral / active EE

$1,234

$2,248-45.1%

$3,517-64.9%

$3,061-59.7%

Admin fee / account holder

$152

$76+99.3%

$4,510-96.6%

$95+60.6%

Provider

Service type

Compensation

BLUESTAR RETIREMENT SERVICES1 year

Service code 13 · EIN 59-3092339

Contract Administrator

$24,177

BENSOURCE EMPLOYEE BENEFITS1 year

Service code 26 · EIN 27-1598845

Advisory (Participants)

$14,282

TD AMERITRADE, INC.1 year

Filed as: TD AMERITRADE TRUST COMPANY

Service code 19 · EIN 20-0937408

Securities Custodian

$559

CONTRACTORS RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CONTRACTORS 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