Retirement plan

CREATION GARDENS 401(K) RETIREMENT SAVINGS PLAN

Name: CREATION GARDENS, INC. - CREATION GARDENS 401(K) RETIREMENT SAVINGS PLAN (2019) Form 5500
Creator: CREATION GARDENS, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CREATION GARDENS 401(K) RETIREMENT SAVINGS PLAN, CREATION GARDENS, INC.

CREATION GARDENS, INC.EIN 61-0212680Plan #004PY 2019

2055 NELSON MILLER PARKWAY - LOUISVILLE, KY 40223502-587-9012

Prospect flagsLow returnsLow participation

How to read this page

Total assets (EOY)

$5.5M

+39.9% from 2018

Total participants

370

+19.0% from 2018

Average account balance

$37,307

+33.3% from 2018

Annual return

18.03%

+16.46 pp from 2018

Benchmarks

See 1,313 peers

Peer group

Industry42 - Wholesale Trade

Plan typeDefined contribution

Participants250-999

Cohort1,313 peers

Snapshot2019

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

Analytics

Total assets (EOY)

Plan-year ending balance

$13.51M

Not enough data

1 years with asset history on file

Average account balance

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

$45K

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.

302

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.

27.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$2.57M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$3K

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

+13.06%

Not enough data

1 years with return on file

Admin fee / account holder

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

$316

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 1 by compensation

Provider	Service type	Compensation
STANCORP FINANCIAL GROUP2 years Service code 12 · EIN 93-1253576	Custodial (securities); Recordkeeping...	$32,146

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 returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$31K

$86 / participant

Contract admin$31K100.0%

% of EOY assets

0.557%

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: JONES, NALE, AND MATTINGLY PLC
Auditor EIN: 610420207
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$37,307

$69,159-46.1%

$125,192-70.2%

$67,579-44.8%

Participation rate

38.0%

78.2%-40.2pp

79.8%-41.8pp

71.3%-33.3pp

Annual return

18.03%

27.12%-9.1pp

43.79%-25.8pp

378.56%-360.5pp

Employer contribution / active EE

$703

$2,023-65.3%

$3,866-81.8%

$2,148-67.3%

Participant deferral / active EE

$1,945

$3,700-47.4%

$4,937-60.6%

$3,539-45.0%

Admin fee / account holder

$208

$142+46.5%

$9,704-97.9%

$142+45.9%

Provider

Service type

Compensation

STANCORP FINANCIAL GROUP2 years

Service code 12 · EIN 93-1253576

Custodial (securities); Recordkeeping...

$32,146

CREATION GARDENS 401(K) RETIREMENT SAVINGS PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CREATION GARDENS 401(K) RETIREMENT SAVINGS 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