Retirement plan

GHERTNER & COMPANY 401(K) PROFIT SHARING PLAN

Name: GHERTNER & COMPANY - GHERTNER & COMPANY 401(K) PROFIT SHARING PLAN (2015) Form 5500
Creator: GHERTNER & COMPANY
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, GHERTNER & COMPANY 401(K) PROFIT SHARING PLAN, GHERTNER & COMPANY

GHERTNER & COMPANYEIN 62-0990117Plan #001PY 2015

50 VANTAGE WAY, SUITE 100 - NASHVILLE, TN 37228615-255-8531ghertner.comLinkedIn51-200 employeesreal estate

Prospect flagsHigh feesLow participationLow employer contribution

How to read this page

Total assets (EOY)

$4.3M

No prior year

Total participants

155

No prior year

Average account balance

$52,934

No prior year

Annual return

1.66%

No prior year

Benchmarks

See 855 peers

Peer group

Industry53 - Real Estate and Rental and Leasing

Plan typeDefined contribution

Participants100-249

Cohort855 peers

Snapshot2015

See peer percentile detail. $4.99 for your first month.

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Analytics

Total assets (EOY)

Plan-year ending balance

$7.52M

Not enough data

1 years with asset history on file

Average account balance

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

$36K

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.

209

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.

84.8%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$689K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$4K

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

+12.42%

Not enough data

1 years with return on file

Admin fee / account holder

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

$290

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

See the 10-year trajectory. $4.99 for your first month.

Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.

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Service providers

Top 5 by compensation

Provider	Service type	Compensation
GREAT-WEST LIFE & ANNUITY INSURANCE1+ years Filed as: GREAT-WEST LIFE & ANNUITY COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Recordkeeping Fees	$34,893
LPL FINANCIAL1+ years Filed as: LPL FINANCIAL LLC Service code 27 PO BOX 509026 · SAN DIEGO, CA 92150	Advisory (Plan)	$21,711
ACUFF & ASSOCIATES, INC.1+ years Service code 13 210 WESTWOOD PLACE, SUITE 100 · BRENTWOOD, TN 37027	Contract Administrator	$4,342
KRAFT CPAS, PLLC1+ years Filed as: KRAFT CPAS PLLC Service code 10 555 GREAT CIRCLE RD · NASHVILLE, TN 37228	Accounting	$2,500
GREAT-WEST LIFE & ANNUITY INSURANCE1+ years Filed as: ADVISED ASSET GROUP Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Investment Management	$1,953

Plan features & details

Pension benefit codes2E2F2G2J2K2T3D

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.
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

3 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityLow employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.
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

$39K

$280 / participant

Other / not subdivided$39K100.0%

% of EOY assets

0.901%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Disclaimer opinion

The auditor declined to give an opinion. This is usually a 103(a)(3)(C) limited-scope election.

Auditor firm: KRAFT CPAS, PLLC
Auditor EIN: 620713250
Audit fees: (not subdivided)
Opinion code: Disclaimer

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$52,934

$45,283+16.9%

$155,790-66.0%

$52,331+1.2%

Participation rate

46.4%

62.2%-15.8pp

76.1%-29.7pp

68.1%-21.7pp

Annual return

1.66%

1.80%-0.1pp

71.54%-69.9pp

4.54%-2.9pp

Employer contribution / active EE

$209

$1,329-84.2%

$3,836-94.5%

$1,882-88.9%

Participant deferral / active EE

$2,222

$2,854-22.1%

$4,797-53.7%

$3,022-26.5%

Admin fee / account holder

$477

$981-51.4%

$7,478-93.6%

$592-19.4%

Provider

Service type

Compensation

GREAT-WEST LIFE & ANNUITY INSURANCE1+ years

Filed as: GREAT-WEST LIFE & ANNUITY COMPANY

Service code 64

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Recordkeeping Fees

$34,893

LPL FINANCIAL1+ years

Filed as: LPL FINANCIAL LLC

Service code 27

PO BOX 509026 · SAN DIEGO, CA 92150

Advisory (Plan)

$21,711

ACUFF & ASSOCIATES, INC.1+ years

Service code 13

210 WESTWOOD PLACE, SUITE 100 · BRENTWOOD, TN 37027

Contract Administrator

$4,342

KRAFT CPAS, PLLC1+ years

Filed as: KRAFT CPAS PLLC

Service code 10

555 GREAT CIRCLE RD · NASHVILLE, TN 37228

Accounting

$2,500

GREAT-WEST LIFE & ANNUITY INSURANCE1+ years

Filed as: ADVISED ASSET GROUP

Service code 28

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Investment Management

$1,953

GHERTNER & COMPANY 401(K) PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

GHERTNER & COMPANY 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