Retirement plan

TRIANGLE DEALERS GROUP RETIREMENT PLAN

Name: VPH MOTOR CORP., SHVP MOTOR CORP., HVPH MOTOR CORP., AUTO CARE, INC. - TRIANGLE DEALERS GROUP RETIREMENT PLAN (2015) Form 5500
Creator: VPH MOTOR CORP., SHVP MOTOR CORP., HVPH MOTOR CORP., AUTO CARE, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, TRIANGLE DEALERS GROUP RETIREMENT PLAN, VPH MOTOR CORP., SHVP MOTOR CORP., HVPH MOTOR CORP., AUTO CARE, INC.

VPH MOTOR CORP., SHVP MOTOR CORP., HVPH MOTOR CORP., AUTO CARE, INC.EIN 66-0490437Plan #001PY 2015

P.O. BOX 29477 - SAN JUAN, PR 009290477787-277-0717

Prospect flagsLow returnsLow assets / participantLow fidelity bond

How to read this page

Total assets (EOY)

$6.5M

No prior year

Total participants

510

No prior year

Average account balance

$14,248

No prior year

Annual return

-1.73%

No prior year

Benchmarks

See 1,098 peers

Peer group

Industry44 - Retail Trade

Plan typeDefined contribution

Participants250-999

Cohort1,098 peers

Snapshot2015

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

Analytics

Total assets (EOY)

Plan-year ending balance

$7.16M

Not enough data

1 years with asset history on file

Average account balance

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

$21K

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.

335

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.

87.4%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$827K

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

+18.95%

Not enough data

1 years with return on file

Admin fee / account holder

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

$45

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
BENEFIT PLANS ADMIN SERVICES, INC.1+ years Service code 15 · EIN 16-1503696	Recordkeeping	$13,536
FINANXIAL, CORP.1+ years Service code 26 · EIN 66-0591759	Advisory (Participants)	$4,164

Plan features & details

Pension benefit codes2E2F2G2T3C

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.
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.
3C
Plan not intended to be qualified
A plan not intended to be qualified under Code sections 401 403 or 408.

Opportunity flags

3 tripped

OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
OpportunityLow assets / participant
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
ComplianceLow fidelity bond
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).

Expense breakdown

Schedule H Part II

Admin total

$18K

$45 / participant

Contract admin$18K100.0%

% of EOY assets

0.273%

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: NIGAGLIONI & RIVERA CARRERAS, CPA
Auditor EIN: 660554313
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$14,248

$33,745-57.8%

$64,105-77.8%

$55,191-74.2%

Participation rate

86.0%

59.4%+26.6pp

68.2%+17.8pp

69.2%+16.8pp

Annual return

-1.73%

4.95%-6.7pp

791.24%-793.0pp

10.78%-12.5pp

Employer contribution / active EE

$270

$641-57.9%

$1,820-85.2%

$1,899-85.8%

Participant deferral / active EE

$1,705

$1,929-11.6%

$2,822-39.6%

$3,046-44.0%

Admin fee / account holder

$39

$94-58.8%

$4,499-99.1%

$91-57.1%

Provider

Service type

Compensation

BENEFIT PLANS ADMIN SERVICES, INC.1+ years

Service code 15 · EIN 16-1503696

Recordkeeping

$13,536

FINANXIAL, CORP.1+ years

Service code 26 · EIN 66-0591759

Advisory (Participants)

$4,164

TRIANGLE DEALERS GROUP RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

TRIANGLE DEALERS GROUP RETIREMENT 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