Retirement plan

INSTITUTE OF NUCLEAR POWER OPERATIONS 401(K) RETIREMENT SAVINGS PLAN

Name: INSTITUTE OF NUCLEAR POWER OPERATIONS - INSTITUTE OF NUCLEAR POWER OPERATIONS 401(K) RETIREMENT SAVINGS PLAN (2017) Form 5500
Creator: INSTITUTE OF NUCLEAR POWER OPERATIONS
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, INSTITUTE OF NUCLEAR POWER OPERATIONS 401(K) RETIREMENT SAVINGS PLAN, INSTITUTE OF NUCLEAR POWER OPERATIONS

INSTITUTE OF NUCLEAR POWER OPERATIONSEIN 58-1382198Plan #001PY 2017

700 GALLERIA PARKWAY, SE STE 100 - ATLANTA, GA 303395943770-644-8510inpo.infoLinkedIn201-500 employeesutilities

Other plans on this EIN

1 filing

#002Retirement-$152.8M assets

Prospect flagsLow returnsHigh feesCorrective distributions

Top hat statement on fileNQDC

Filed July 12, 1994

This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.

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How to read this page

Total assets (EOY)

$117.8M

+6.1% from 2016

Total participants

479

+3.0% from 2016

Average account balance

$247,905

+2.1% from 2016

Annual return

13.49%

+7.21 pp from 2016

Benchmarks

See 2,615 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants250-999

Cohort2,615 peers

Snapshot2017

See peer percentile detail. $4.99 for your first month.

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Analytics

Total assets (EOY)

Plan-year ending balance

$136.95M

Not enough data

1 years with asset history on file

Average account balance

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

$336K

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.

408

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.

97.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$11.81M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$39K

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

+11.70%

Not enough data

1 years with return on file

Admin fee / account holder

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

$721

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 6 by compensation

Provider	Service type	Compensation
CHARLES SCHWAB & CO., INC.2 years Filed as: SCHWAB RETIREMENT PLAN SERVICES INC Service code 15 · EIN 34-1479833	Recordkeeping	$65,016
FIDUCIARYVEST LLC3+ years Filed as: FIDUCIARYVEST, LLC Service code 28 · EIN 20-2217636	Investment Management	$62,670
KAYS FINANCIAL ADVISORY CORP1 year Service code 26 · EIN 58-1619177	Advisory (Participants)	$20,554
CHARLES SCHWAB & CO., INC.3+ years Filed as: CHARLES SCHWAB & CO., INC Service code 33 · EIN 94-1737782	Other investment fees and expenses; D...	$10,079
VAN SANT & MEWSHAW INC1 year Service code 26 · EIN 52-1780661	Advisory (Participants)	$8,369
CHARLES SCHWAB & CO., INC.3+ years Filed as: CHARLES SCHWAB & CO AND AFFILIATES Service code 59	Shareholder Servicing	$0

Plan features & details

Pension benefit codes2A2E2F2G2J2K2R2S2T3F

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.
2R
Participant-directed brokerage accounts
Participant-directed brokerage accounts provided as an investment option under the plan.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
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.
3F
Leased employees
Plan sponsor(s) received services of leased employees as defined in Code section 414(n) during the plan year.

Opportunity flags

3 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$157K

$435 / participant

Investment mgmt$92K58.5%
Other / not subdivided$65K41.5%

% of EOY assets

0.133%

all-in expense ratio

Categories reported

1 / 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: BENNETT-THRASHER
Auditor EIN: 581673613
Audit fees: (not subdivided)
Opinion code: Disclaimer

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$247,905

$155,795+59.1%

$136,294+81.9%

$69,631+256.0%

Participation rate

98.9%

75.2%+23.6pp

81.9%+17.0pp

70.7%+28.2pp

Annual return

13.49%

232464.33%-232450.8pp

5155.94%-5142.4pp

27571.02%-27557.5pp

Employer contribution / active EE

$8,683

$2,991+190.3%

$4,695+84.9%

$2,032+327.3%

Participant deferral / active EE

$13,197

$5,394+144.7%

$6,247+111.2%

$3,224+309.4%

Admin fee / account holder

$330

$128+157.2%

$9,243-96.4%

$110+198.6%

Provider

Service type

Compensation

CHARLES SCHWAB & CO., INC.2 years

Filed as: SCHWAB RETIREMENT PLAN SERVICES INC

Service code 15 · EIN 34-1479833

Recordkeeping

$65,016

FIDUCIARYVEST LLC3+ years

Filed as: FIDUCIARYVEST, LLC

Service code 28 · EIN 20-2217636

Investment Management

$62,670

KAYS FINANCIAL ADVISORY CORP1 year

Service code 26 · EIN 58-1619177

Advisory (Participants)

$20,554

CHARLES SCHWAB & CO., INC.3+ years

Filed as: CHARLES SCHWAB & CO., INC

Service code 33 · EIN 94-1737782

Other investment fees and expenses; D...

$10,079

VAN SANT & MEWSHAW INC1 year

Service code 26 · EIN 52-1780661

Advisory (Participants)

$8,369

CHARLES SCHWAB & CO., INC.3+ years

Filed as: CHARLES SCHWAB & CO AND AFFILIATES

Service code 59

Shareholder Servicing

INSTITUTE OF NUCLEAR POWER OPERATIONS 401(K) RETIREMENT SAVINGS PLAN

Top hat statement on fileNQDC

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

INSTITUTE OF NUCLEAR POWER OPERATIONS 401(K) RETIREMENT SAVINGS PLAN

Top hat statement on fileNQDC

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