Retirement plan

PSCU INCOPORATED 401(K) RETIREMENT PLAN

Name: PSCU INCORPORATED - PSCU INCOPORATED 401(K) RETIREMENT PLAN (2017) Form 5500
Creator: PSCU INCORPORATED
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, PSCU INCOPORATED 401(K) RETIREMENT PLAN, PSCU INCORPORATED

PSCU INCORPORATEDEIN 59-1743434Plan #001PY 2017

560 CARILLON PARKWAY - ST. PETERSBURG, FL 33716727-571-7989pscu.comLinkedIn1001-5000 employeesfinancial services

Prospect flagsLow participation

Top hat statement on fileNQDC

Filed August 1, 2018 (most recent of 6 filings on file)

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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Total assets (EOY)

$109.4M

+19.1% from 2016

Total participants

2,028

-27.0% from 2016

Average account balance

$74,723

+2.0% from 2016

Annual return

17.97%

+9.62 pp from 2016

Benchmarks

See 531 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants1,000-4,999

Cohort531 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$285.43M

Not enough data

1 years with asset history on file

Average account balance

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

Not enough data

0 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

Not enough data

0 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

Not enough data

0 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$32.40M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

Not enough data

0 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+5.18%

Not enough data

1 years with return on file

Admin fee / account holder

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

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 8 by compensation

Provider	Service type	Compensation
INDEPENDENT FINANCIAL PARTNERS3+ years Service code 99	Other Fees	$103,788
LINCOLN NATIONAL CORPORATION1 year Service code 13 · EIN 35-1140070	Contract Administrator	$28,095
EPIC RETIREMENT PLAN SERVICES1 year Filed as: MHM, LLC Service code 26 · EIN 43-1947695	Advisory (Participants)	$16,000
MMA SECURITIES LLC1 year Filed as: MMC SECURITIES, LLC Service code 26 · EIN 06-1685865	Advisory (Participants)	$12,500
VOYA RETIREMENT INSURANCE & ANNUITY1 year Filed as: VOYA RETIRMENET INSURANCE & ANNUITY Service code 26 · EIN 71-0294708	Advisory (Participants)	$11,848
MORNINGSTAR1 year Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L Service code 26 · EIN 36-4317381	Advisory (Participants)	$6,575
THE LAMPO GROUP, INC.1 year Filed as: THE LAMPO GROUP Service code 26 · EIN 62-1593846	Advisory (Participants)	$6,000
MORNINGSTAR3+ years Service code 26 · EIN 36-3297908	Advisory (Participants)	$5,777

Plan features & details

Pension benefit codes2E2F2G2J2K3D

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.
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

1 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.

Expense breakdown

Schedule H Part II

Admin total

$104K

$57 / participant

Investment mgmt$47K45.1%
Contract admin$57K54.9%

% of EOY assets

0.095%

all-in expense ratio

Categories reported

2 / 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: MAYER HOFFMAN MCCANN P.C.
Auditor EIN: 431947695
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$74,723

$89,274-16.3%

$149,721-50.1%

$77,958-4.1%

Participation rate

68.9%

87.6%-18.7pp

87.1%-18.2pp

71.6%-2.7pp

Annual return

17.97%

20.36%-2.4pp

1501.67%-1483.7pp

20.87%-2.9pp

Employer contribution / active EE

$1,958

$3,727-47.5%

$5,444-64.0%

$2,310-15.3%

Participant deferral / active EE

$3,820

$5,382-29.0%

$6,568-41.8%

$3,537+8.0%

Admin fee / account holder

$71

$240-70.4%

$11,282-99.4%

$97-27.1%

Provider

Service type

Compensation

INDEPENDENT FINANCIAL PARTNERS3+ years

Service code 99

Other Fees

$103,788

LINCOLN NATIONAL CORPORATION1 year

Service code 13 · EIN 35-1140070

Contract Administrator

$28,095

EPIC RETIREMENT PLAN SERVICES1 year

Filed as: MHM, LLC

Service code 26 · EIN 43-1947695

Advisory (Participants)

$16,000

MMA SECURITIES LLC1 year

Filed as: MMC SECURITIES, LLC

Service code 26 · EIN 06-1685865

Advisory (Participants)

$12,500

VOYA RETIREMENT INSURANCE & ANNUITY1 year

Filed as: VOYA RETIRMENET INSURANCE & ANNUITY

Service code 26 · EIN 71-0294708

Advisory (Participants)

$11,848

MORNINGSTAR1 year

Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L

Service code 26 · EIN 36-4317381

Advisory (Participants)

$6,575

THE LAMPO GROUP, INC.1 year

Filed as: THE LAMPO GROUP

Service code 26 · EIN 62-1593846

Advisory (Participants)

$6,000

MORNINGSTAR3+ years

Service code 26 · EIN 36-3297908

Advisory (Participants)

$5,777

PSCU INCOPORATED 401(K) RETIREMENT PLAN

Top hat statement on fileNQDC

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

PSCU INCOPORATED 401(K) RETIREMENT 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