Retirement plan

HARBOUR RIDGE 401(K) PLAN

Name: HARBOUR RIDGE YACHT AND COUNTRY CLUB, INC. - HARBOUR RIDGE 401(K) PLAN (2017) Form 5500
Creator: HARBOUR RIDGE YACHT AND COUNTRY CLUB, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, HARBOUR RIDGE 401(K) PLAN, HARBOUR RIDGE YACHT AND COUNTRY CLUB, INC.

HARBOUR RIDGE YACHT AND COUNTRY CLUB, INC.EIN 65-0129568Plan #001PY 2017

12600 HARBOUR RIDGE BLVD - PALM CITY, FL 34990772-336-8921LinkedIn201-500 employeescivic & social organization

Prospect flagsLow participationCorrective distributions

How to read this page

Total assets (EOY)

$6.4M

+16.2% from 2016

Total participants

205

+4.6% from 2016

Average account balance

$48,826

+21.6% from 2016

Annual return

16.58%

+6.09 pp from 2016

Benchmarks

See 1,704 peers

Peer group

Industry81 - Other Services (except Public Administration)

Plan typeDefined contribution

Participants100-249

Cohort1,704 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$9.33M

Not enough data

1 years with asset history on file

Average account balance

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

$68K

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.

137

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.

43.4%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$618K

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

+12.18%

Not enough data

1 years with return on file

Admin fee / account holder

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

$163

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
FIDELITY INVESTMENTS INSTITUTIONAL3+ years Service code 60 · EIN 04-2647786	Sub-TA Fees	$17,061

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.
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$17K

$108 / participant

Other / not subdivided$17K100.0%

% of EOY assets

0.267%

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: RSM US LLP
Auditor EIN: 420714325
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$48,826

$50,637-3.6%

$86,582-43.6%

$62,293-21.6%

Participation rate

53.2%

67.9%-14.7pp

73.5%-20.4pp

69.5%-16.4pp

Annual return

16.58%

20.80%-4.2pp

965.08%-948.5pp

28.90%-12.3pp

Employer contribution / active EE

$759

$2,075-63.4%

$2,839-73.3%

$2,042-62.9%

Participant deferral / active EE

$2,217

$2,611-15.1%

$3,609-38.5%

$3,169-30.0%

Admin fee / account holder

$130

$413-68.5%

$4,904-97.3%

$479-72.8%

Provider

Service type

Compensation

FIDELITY INVESTMENTS INSTITUTIONAL3+ years

Service code 60 · EIN 04-2647786

Sub-TA Fees

$17,061

HARBOUR RIDGE 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

HARBOUR RIDGE 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