Retirement plan

EML, LLC 401(K) PLAN

Name: EML, LLC - EML, LLC 401(K) PLAN (2016) Form 5500
Creator: EML, LLC
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, EML, LLC 401(K) PLAN, EML, LLC

EML, LLCEIN 62-1809968Plan #001PY 2016

318 SEABOARD LANE, SUITE 106 - FRANKLIN, TN 37067615-771-2560

Prospect flagsLow participationCorrective distributions

How to read this page

Total assets (EOY)

$2.6M

-5.0% from 2015

Total participants

211

-43.0% from 2015

Average account balance

$18,649

+24.8% from 2015

Annual return

5.82%

+7.97 pp from 2015

Benchmarks

See 906 peers

Peer group

Industry56 - Administrative and Support and Waste Management and Remediation Services

Plan typeDefined contribution

Participants100-249

Cohort906 peers

Snapshot2016

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

Analytics

Total assets (EOY)

Plan-year ending balance

$7.85M

Not enough data

1 years with asset history on file

Average account balance

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

$42K

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.

186

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.

30.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.05M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$2K

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

+11.02%

Not enough data

1 years with return on file

Admin fee / account holder

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

$389

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 2 by compensation

Provider	Service type	Compensation
ASCENSUS LLC1 year Filed as: ACCESS RETIREMENT SERVICES, LLC Service code 15 · EIN 62-1700633 3050 BUSINESS PARK CIRCLE · GOODLETTSVILLE, TN 37072	Recordkeeping	$15,083
JOHN HANCOCK LIFE INSURANCE COMPANY2+ years Filed as: JOHN HANCOCK LIFE INS CO Service code 15 · EIN 01-0233346 PO BOX 600 · BUFFALO, NY 142010600	Recordkeeping	$0

Plan features & details

Pension benefit codes2E2G2J3D3H2F

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.
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.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

2 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$31K

$179 / participant

Other / not subdivided$31K100.0%

% of EOY assets

1.204%

all-in expense ratio

Categories reported

0 / 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: SKIBBIE CPA, INC.
Auditor EIN: 270851321
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$18,649

$32,425-42.5%

$74,577-75.0%

$55,167-66.2%

Participation rate

57.0%

54.0%+3.0pp

68.1%-11.1pp

69.0%-12.0pp

Annual return

5.82%

10.63%-4.8pp

20.47%-14.7pp

169.23%-163.4pp

Employer contribution / active EE

$1,926

$1,043+84.5%

$2,525-23.7%

$1,963-1.9%

Participant deferral / active EE

$1,522

$1,995-23.7%

$3,458-56.0%

$3,054-50.2%

Admin fee / account holder

$225

$748-70.0%

$4,138-94.6%

$504-55.4%

Provider

Service type

Compensation

ASCENSUS LLC1 year

Filed as: ACCESS RETIREMENT SERVICES, LLC

Service code 15 · EIN 62-1700633

3050 BUSINESS PARK CIRCLE · GOODLETTSVILLE, TN 37072

Recordkeeping

$15,083

JOHN HANCOCK LIFE INSURANCE COMPANY2+ years

Filed as: JOHN HANCOCK LIFE INS CO

Service code 15 · EIN 01-0233346

PO BOX 600 · BUFFALO, NY 142010600

Recordkeeping

EML, LLC 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

EML, LLC 401(K) 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