Retirement plan

EPCF 401(K) PROFIT SHARING PLAN

Name: EMERGENCY PHYSICIANS OF CENTRAL FLORIDA, LLP - EPCF 401(K) PROFIT SHARING PLAN (2018) Form 5500
Creator: EMERGENCY PHYSICIANS OF CENTRAL FLORIDA, LLP
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, EPCF 401(K) PROFIT SHARING PLAN, EMERGENCY PHYSICIANS OF CENTRAL FLORIDA, LLP

EMERGENCY PHYSICIANS OF CENTRAL FLORIDA, LLPEIN 59-3474034Plan #001PY 2018

3090 CARUSO COURT, SUITE 20 - ORLANDO, FL 32806321-841-2605doctors.atLinkedIn201-500 employeesmedical practice

Other plans on this EIN

1 filing

#002Retirement-$6.5M assets

Prospect flagsHigh feesHigh assets / participant

How to read this page

Total assets (EOY)

$86.8M

-4.7% from 2017

Total participants

261

+14.0% from 2017

Average account balance

$358,492

-17.3% from 2017

Annual return

-6.65%

-26.04 pp from 2017

Benchmarks

See 5,259 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants100-249

Cohort5,259 peers

Snapshot2018

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

Analytics

Total assets (EOY)

Plan-year ending balance

$213.44M

Not enough data

1 years with asset history on file

Average account balance

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

$557K

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.

383

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.

88.7%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$12.81M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$37K

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

+16.69%

Not enough data

1 years with return on file

Admin fee / account holder

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

$101

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 9 by compensation

Provider	Service type	Compensation
FIDUCIARYFIRST LLC1 year Service code 27 220 LOOKOUT PLACE STE 200 · MAITLAND, FL 32751	Advisory (Plan)	$46,504
LPL FINANCIAL3 years Filed as: LPL FINANCIAL LLC Service code 99 · EIN 95-2834236	Other Fees	$42,588
CREATIVE PLANNING LLC2 years Filed as: CREATIVE PLANNING INC Service code 71 3400 COLLEGE BLVD · OVERLAND PARK, KS 66211	Brokerage Fees	$32,012
GREAT-WEST LIFE & ANNUITY INSURANCE1 year Filed as: ADVISED ASSETS GROUP Service code 26 · EIN 84-1532243	Advisory (Participants)	$20,926
LARSON FINANCIAL GROUP LLC2 years Filed as: LARSON FINANCIAL GROUP Service code 71 1015 CORPORATE SQUARE DR · ST LOUIS, MO 63132	Brokerage Fees	$12,160
TD AMERITRADE, INC.3 years Filed as: TD AMERITRADE Service code 33 200 S 108TH AVE · OMAHA, NE 68154	Securities brokerage; Other investmen...	$8,522
GREAT-WEST LIFE & ANNUITY INSURANCE4+ years Service code 15	Recordkeeping	$0
GREAT-WEST LIFE & ANNUITY INSURANCE1 year Filed as: GREAT-WEST LIFE & INS CO Service code 15 · EIN 84-0467907	Recordkeeping	$0
TD AMERITRADE, INC.1 year Service code 59	Shareholder Servicing	$0

Plan features & details

Pension benefit codes2E2F2G2J2R2S2T3D

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.
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.

Opportunity flags

2 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
InformationalHigh assets / participant
Assets per participant exceed $250,000 - top-decile high-value plan.

Expense breakdown

Schedule H Part II

Admin total

$119K

$509 / participant

Investment mgmt$110K92.8%
Other / not subdivided$9K7.2%

% of EOY assets

0.137%

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: ASSURANCE DIMENSIONS
Auditor EIN: 263429295
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$358,492

$47,977+647.2%

$154,108+132.6%

$56,289+536.9%

Participation rate

91.8%

66.2%+25.7pp

83.0%+8.8pp

69.9%+22.0pp

Annual return

-6.65%

3.54%-10.2pp

735.21%-741.9pp

-9.96%+3.3pp

Employer contribution / active EE

$20,352

$2,169+838.4%

$5,298+284.2%

$2,111+864.0%

Participant deferral / active EE

$11,099

$2,392+364.0%

$5,081+118.5%

$3,350+231.3%

Admin fee / account holder

$490

$438+11.8%

$13,411-96.3%

$521-6.0%

Provider

Service type

Compensation

FIDUCIARYFIRST LLC1 year

Service code 27

220 LOOKOUT PLACE STE 200 · MAITLAND, FL 32751

Advisory (Plan)

$46,504

LPL FINANCIAL3 years

Filed as: LPL FINANCIAL LLC

Service code 99 · EIN 95-2834236

Other Fees

$42,588

CREATIVE PLANNING LLC2 years

Filed as: CREATIVE PLANNING INC

Service code 71

3400 COLLEGE BLVD · OVERLAND PARK, KS 66211

Brokerage Fees

$32,012

GREAT-WEST LIFE & ANNUITY INSURANCE1 year

Filed as: ADVISED ASSETS GROUP

Service code 26 · EIN 84-1532243

Advisory (Participants)

$20,926

LARSON FINANCIAL GROUP LLC2 years

Filed as: LARSON FINANCIAL GROUP

Service code 71

1015 CORPORATE SQUARE DR · ST LOUIS, MO 63132

Brokerage Fees

$12,160

TD AMERITRADE, INC.3 years

Filed as: TD AMERITRADE

Service code 33

200 S 108TH AVE · OMAHA, NE 68154

Securities brokerage; Other investmen...

$8,522

GREAT-WEST LIFE & ANNUITY INSURANCE4+ years

Service code 15

Recordkeeping

GREAT-WEST LIFE & ANNUITY INSURANCE1 year

Filed as: GREAT-WEST LIFE & INS CO

Service code 15 · EIN 84-0467907

Recordkeeping

TD AMERITRADE, INC.1 year

Service code 59

Shareholder Servicing

EPCF 401(K) PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

EPCF 401(K) PROFIT SHARING 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