Retirement plan

WILLIAMSON CADILLAC EMPLOYEES' RETIREMENT PLAN AND TRUST

Name: WILLIAMSON CADILLAC COMPANY - WILLIAMSON CADILLAC EMPLOYEES' RETIREMENT PLAN AND TRUST (2016) Form 5500
Creator: WILLIAMSON CADILLAC COMPANY
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, WILLIAMSON CADILLAC EMPLOYEES' RETIREMENT PLAN AND TRUST, WILLIAMSON CADILLAC COMPANY

WILLIAMSON CADILLAC COMPANYEIN 59-1195335Plan #003PY 2016

7815 S.W. 104TH STREET - MIAMI, FL 33156clickenterprise.comLinkedIn51-200 employeesconsumer services

Prospect flagsLow returnsFailed to transmit contributionsCorrective distributions

How to read this page

Total assets (EOY)

$16.8M

+1.5% from 2015

Total participants

315

+0.6% from 2015

Average account balance

$54,681

-4.1% from 2015

Annual return

4.63%

+6.91 pp from 2015

Benchmarks

See 1,184 peers

Peer group

Industry44 - Retail Trade

Plan typeDefined contribution

Participants250-999

Cohort1,184 peers

Snapshot2016

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

Analytics

Total assets (EOY)

Plan-year ending balance

$22.69M

Not enough data

1 years with asset history on file

Average account balance

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

$111K

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.

205

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.

82.1%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.67M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$10K

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

-25.50%

Not enough data

1 years with return on file

Admin fee / account holder

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

$482

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 7 by compensation

Provider	Service type	Compensation
MASSACHUSETTS MUTUAL LIFE INS. CO.1 year Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850	Indirect Investment Fees	$48,507
PENSION ASSURANCE LLP1 year Filed as: THE PENSION STUDIO Service code 13 · EIN 54-2154380	Contract Administrator	$10,979
MORGAN STANLEY SMITH BARNEY1 year Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 49 · EIN 26-4310632	Other Services	$626
ENVESTNET RETIREMENT SOLUTIONS, LLC1 year Filed as: ENVESTNET RETIREMENT SOLUTIONS Service code 27 · EIN 61-1732930	Advisory (Plan)	$0
ENVESTNET RETIREMENT SOLUTIONS, LLC1 year Service code 27	Advisory (Plan)	$0
ENVESTNET RETIREMENT SOLUTIONS, LLC1 year Filed as: EVESTNET RETIREMENT SOLUTIONS, LLC Service code 27 · EIN 61-1732930	Advisory (Plan)	$0
MORGAN STANLEY SMITH BARNEY1 year Filed as: MORGAN STANLEY INS SERVICES INC Service code 53 · EIN 51-0116113	Insurance Commissions	$0

Plan features & details

Pension benefit codes2A2E2G2J2K3D

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.
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

3 tripped

OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
ComplianceFailed to transmit contributions
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$55K

$218 / participant

Investment mgmt$55K100.0%

% of EOY assets

0.327%

all-in expense ratio

Categories reported

1 / 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: MORRISON, BROWN, ARGIZ & FARRA, LLC
Auditor EIN: 010720052
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$54,681

$37,044+47.6%

$71,796-23.8%

$57,658-5.2%

Participation rate

97.2%

61.1%+36.1pp

69.1%+28.1pp

70.2%+27.0pp

Annual return

4.63%

12.64%-8.0pp

78.04%-73.4pp

5.13%-0.5pp

Employer contribution / active EE

$1,856

$720+157.7%

$1,924-3.6%

$1,974-6.0%

Participant deferral / active EE

$3,638

$1,974+84.3%

$2,794+30.2%

$3,061+18.9%

Admin fee / account holder

$179

$101+77.1%

$4,815-96.3%

$95+89.1%

Provider

Service type

Compensation

MASSACHUSETTS MUTUAL LIFE INS. CO.1 year

Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE

Service code 52 · EIN 04-1590850

Indirect Investment Fees

$48,507

PENSION ASSURANCE LLP1 year

Filed as: THE PENSION STUDIO

Service code 13 · EIN 54-2154380

Contract Administrator

$10,979

MORGAN STANLEY SMITH BARNEY1 year

Filed as: MORGAN STANLEY SMITH BARNEY LLC

Service code 49 · EIN 26-4310632

Other Services

$626

ENVESTNET RETIREMENT SOLUTIONS, LLC1 year

Filed as: ENVESTNET RETIREMENT SOLUTIONS

Service code 27 · EIN 61-1732930

Advisory (Plan)

ENVESTNET RETIREMENT SOLUTIONS, LLC1 year

Service code 27

Advisory (Plan)

ENVESTNET RETIREMENT SOLUTIONS, LLC1 year

Filed as: EVESTNET RETIREMENT SOLUTIONS, LLC

Service code 27 · EIN 61-1732930

Advisory (Plan)

MORGAN STANLEY SMITH BARNEY1 year

Filed as: MORGAN STANLEY INS SERVICES INC

Service code 53 · EIN 51-0116113

Insurance Commissions

WILLIAMSON CADILLAC EMPLOYEES' RETIREMENT PLAN AND TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

WILLIAMSON CADILLAC EMPLOYEES' RETIREMENT PLAN AND TRUST

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