Retirement plan

JOHN BOUCHARD & SONS CO. 401(K) PROFIT SHARING PLAN

Name: JOHN BOUCHARD & SONS CO. - JOHN BOUCHARD & SONS CO. 401(K) PROFIT SHARING PLAN (2018) Form 5500
Creator: JOHN BOUCHARD & SONS CO.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, JOHN BOUCHARD & SONS CO. 401(K) PROFIT SHARING PLAN, JOHN BOUCHARD & SONS CO.

JOHN BOUCHARD & SONS CO.EIN 62-0135900Plan #004PY 2018

1024 HARRISON STREET - NASHVILLE, TN 37203615-256-0112jbouchard.comLinkedIn51-200 employeesconstruction

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$22.7M

+10.8% from 2017

Total participants

166

+5.7% from 2017

Average account balance

$136,552

+4.8% from 2017

Annual return

6.24%

-7.91 pp from 2017

Benchmarks

See 2,759 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants100-249

Cohort2,759 peers

Snapshot2018

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

Analytics

Total assets (EOY)

Plan-year ending balance

$46.68M

Not enough data

1 years with asset history on file

Average account balance

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

$210K

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.

222

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.

100.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$3.28M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$21K

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

+12.63%

Not enough data

1 years with return on file

Admin fee / account holder

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

$933

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
LPL FINANCIAL1 year Filed as: LPL FINANCIAL LLC Service code 26 · EIN 04-3046611	Advisory (Participants)	$49,181
SOUTHWESTERN INVESTMENT ADVISOR1 year Service code 26 · EIN 47-1471217	Advisory (Participants)	$36,198
JOHN HANCOCK LIFE INSURANCE COMPANY1 year Service code 15 · EIN 01-0233346	Recordkeeping	$400

Plan features & details

Pension benefit codes2E2F2G2J2K

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.

Opportunity flags

1 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)

Expense breakdown

Schedule H Part II

Admin total

$75K

$579 / participant

Investment mgmt$73K97.9%
Contract admin$2K2.1%

% of EOY assets

0.330%

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: BLANKENSHIP CPA GROUP, PLLC
Auditor EIN: 450491842
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$136,552

$55,449+146.3%

$83,831+62.9%

$56,289+142.6%

Participation rate

100.0%

68.0%+32.0pp

76.1%+23.9pp

69.9%+30.1pp

Annual return

6.24%

-1.38%+7.6pp

850.99%-844.7pp

-9.96%+16.2pp

Employer contribution / active EE

$6,304

$2,430+159.4%

$3,631+73.6%

$2,111+198.6%

Participant deferral / active EE

$5,148

$2,935+75.4%

$4,082+26.1%

$3,350+53.7%

Admin fee / account holder

$450

$656-31.4%

$5,479-91.8%

$521-13.6%

Provider

Service type

Compensation

LPL FINANCIAL1 year

Filed as: LPL FINANCIAL LLC

Service code 26 · EIN 04-3046611

Advisory (Participants)

$49,181

SOUTHWESTERN INVESTMENT ADVISOR1 year

Service code 26 · EIN 47-1471217

Advisory (Participants)

$36,198

JOHN HANCOCK LIFE INSURANCE COMPANY1 year

Service code 15 · EIN 01-0233346

Recordkeeping

$400

JOHN BOUCHARD & SONS CO. 401(K) PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

JOHN BOUCHARD & SONS CO. 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