Retirement plan

COPELAND, STAIR, KINGMA & LOVELL, LLP 401(K) PLAN

Name: COPELAND, STAIR, KINGMA & LOVELL, LLP - COPELAND, STAIR, KINGMA & LOVELL, LLP 401(K) PLAN (2019) Form 5500
Creator: COPELAND, STAIR, KINGMA & LOVELL, LLP
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, COPELAND, STAIR, KINGMA & LOVELL, LLP 401(K) PLAN, COPELAND, STAIR, KINGMA & LOVELL, LLP

COPELAND, STAIR, KINGMA & LOVELL, LLPEIN 58-1478339Plan #004PY 2019

191 PEACHTREE STREET NE, SUITE 3600 - ATLANTA, GA 30303404-522-8220csvl.lawLinkedIn201-500 employeeslaw practice

Other plans on this EIN

1 filing

#005Retirement-$2.3M assets

Prospect flagsFailed to transmit contributions

How to read this page

Total assets (EOY)

$20.8M

+5.3% from 2018

Total participants

179

+14.0% from 2018

Average account balance

$119,728

-6.8% from 2018

Annual return

24.14%

+28.04 pp from 2018

Benchmarks

See 5,552 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants100-249

Cohort5,552 peers

Snapshot2019

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

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Analytics

Total assets (EOY)

Plan-year ending balance

$19.72M

Not enough data

1 years with asset history on file

Average account balance

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

$160K

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.

123

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.

97.4%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$903K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$12K

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

+14.33%

Not enough data

1 years with return on file

Admin fee / account holder

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

$229

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

See the 10-year trajectory. $4.99 for your first month.

Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.

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Service providers

Top 3 by compensation

Provider	Service type	Compensation
GREENSPRING ADVISORS, LLC1 year Filed as: GREENSPRING ADVISORS LLC Service code 27 · EIN 82-5320133	Advisory (Plan)	$47,014
THE VANGUARD GROUP, INC.4 years Service code 15 · EIN 23-1945930	Recordkeeping	$19,890
GREENSPRING ADVISORS, LLC1 year Filed as: GREENSPRING WEALTH MGMT Service code 27 · EIN 20-1611389	Advisory (Plan)	$6,662

Plan features & details

Pension benefit codes2E2F2G2J2K2R2S2T3D3H

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.
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.
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.
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

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

$43K

$418 / participant

Other / not subdivided$43K100.0%

% of EOY assets

0.205%

all-in expense ratio

Categories reported

0 / 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: WARREN AVERETT LLC
Auditor EIN: 454084437
Audit fees: (not subdivided)
Opinion code: Disclaimer

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$119,728

$89,652+33.5%

$141,162-15.2%

$65,185+83.7%

Participation rate

95.1%

74.7%+20.4pp

82.5%+12.6pp

70.2%+24.9pp

Annual return

24.14%

32.79%-8.7pp

71.39%-47.3pp

29.38%-5.2pp

Employer contribution / active EE

$5,210

$3,065+70.0%

$4,735+10.0%

$2,177+139.4%

Participant deferral / active EE

$5,264

$5,691-7.5%

$6,709-21.5%

$3,514+49.8%

Admin fee / account holder

$245

$569-56.9%

$10,261-97.6%

$847-71.1%

Provider

Service type

Compensation

GREENSPRING ADVISORS, LLC1 year

Filed as: GREENSPRING ADVISORS LLC

Service code 27 · EIN 82-5320133

Advisory (Plan)

$47,014

THE VANGUARD GROUP, INC.4 years

Service code 15 · EIN 23-1945930

Recordkeeping

$19,890

GREENSPRING ADVISORS, LLC1 year

Filed as: GREENSPRING WEALTH MGMT

Service code 27 · EIN 20-1611389

Advisory (Plan)

$6,662

COPELAND, STAIR, KINGMA & LOVELL, LLP 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

COPELAND, STAIR, KINGMA & LOVELL, LLP 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