Retirement plan

E.A. RENFROE & CO., INC. 401(K) PLAN

Name: E.A. RENFROE & CO., INC. - E.A. RENFROE & CO., INC. 401(K) PLAN (2017) Form 5500
Creator: E.A. RENFROE & CO., INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, E.A. RENFROE & CO., INC. 401(K) PLAN, E.A. RENFROE & CO., INC.

E.A. RENFROE & CO., INC.EIN 58-2142437Plan #001PY 2017

1600 CORPORATE DRIVE - BIRMINGHAM, AL 35242205-982-6230

Prospect flagsLow participationLow assets / participant

How to read this page

Total assets (EOY)

$23.3M

+22.9% from 2016

Total participants

1,657

-38.8% from 2016

Average account balance

$22,772

+19.3% from 2016

Annual return

15.58%

+7.15 pp from 2016

Benchmarks

See 1,453 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants250-999

Cohort1,453 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$30.30M

Not enough data

1 years with asset history on file

Average account balance

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

$41K

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.

741

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.

13.8%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.53M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$315

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

+11.26%

Not enough data

1 years with return on file

Admin fee / account holder

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

$200

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 3 by compensation

Provider	Service type	Compensation
ADP BROKER-DEALER3+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745	Recordkeeping	$13,481
ADP BROKER-DEALER3+ years Service code 49 · EIN 22-3319984	Other Services	$0
MORGAN STANLEY SMITH BARNEY3+ years Service code 49 555 CALIFORNIA ST 35TH FLOOR · SAN FRANCISCO, CA 94104	Other Services	$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 participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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

$13K

$15 / participant

Other / not subdivided$13K100.0%

% of EOY assets

0.058%

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: HUNER & CYR, P.C.
Auditor EIN: 631238286
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$22,772

$81,537-72.1%

$149,721-84.8%

$69,631-67.3%

Participation rate

29.9%

86.1%-56.2pp

87.1%-57.1pp

70.7%-40.7pp

Annual return

15.58%

22.79%-7.2pp

1501.67%-1486.1pp

27571.02%-27555.4pp

Employer contribution / active EE

$3,239-100.0%

$5,444-100.0%

$2,032-100.0%

Participant deferral / active EE

$3,180

$4,994-36.3%

$6,568-51.6%

$3,224-1.3%

Admin fee / account holder

$13

$107-87.7%

$11,282-99.9%

$110-88.1%

Provider

Service type

Compensation

ADP BROKER-DEALER3+ years

Filed as: ADP, LLC

Service code 15 · EIN 13-3036745

Recordkeeping

$13,481

ADP BROKER-DEALER3+ years

Service code 49 · EIN 22-3319984

Other Services

MORGAN STANLEY SMITH BARNEY3+ years

Service code 49

555 CALIFORNIA ST 35TH FLOOR · SAN FRANCISCO, CA 94104

Other Services

E.A. RENFROE & CO., INC. 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

E.A. RENFROE & CO., INC. 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