Retirement plan

ROOMS TO GO RETIREMENT PLAN

Name: ROOMS TO GO - ROOMS TO GO RETIREMENT PLAN (2024) Form 5500
Creator: ROOMS TO GO
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, ROOMS TO GO RETIREMENT PLAN, ROOMS TO GO

ROOMS TO GOEIN 66-0562251Plan #001PY 2024

PMB 465, 90 AVENIDA RIO HONDO - BAYAMON, PR 00961787-995-5959

Prospect flagsLow assets / participantLow employer contribution

How to read this page

Total assets (EOY)

$5.3M

+19.7% from 2023

Total participants

225

+0.4% from 2023

Average account balance

$23,620

+19.2% from 2023

Annual return

13.34%

-2.86 pp from 2023

Benchmarks

See 2,309 peers

Peer group

Industry44 - Retail Trade

Plan typeDefined contribution

Participants100-249

Cohort2,309 peers

Snapshot2024

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

Analytics

Total assets (EOY)

Plan-year ending balance

$5.31M

Not enough data

1 years with asset history on file

Average account balance

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

$24K

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.

225

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

$400K

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

+13.34%

Not enough data

1 years with return on file

Admin fee / account holder

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

$22

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
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Filed as: FIDELITY INVESTMENTS Service code 28 100 CROSBY PARWAY · COVINGTON, KY 41015	Investment Management	$0
PENSION ADMINISTRATORS GROUP, INC.10+ years Service code 15 PO BOX 9023794 · SAN JUAN, PR 009023794	Recordkeeping	$0

Plan features & details

Pension benefit codes2E2F2J2G

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.

Opportunity flags

2 tripped

OpportunityLow employer contribution
Employer contribution per participant 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.

Expense breakdown

Schedule H Part II

Admin total

$5K

$23 / participant

Other / not subdivided$5K100.0%

% of EOY assets

0.095%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: PAGAN & PAGAN CPA GROUP LLC
Auditor EIN: 660864032
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$23,620

$59,467-60.3%

$93,727-74.8%

$74,478-68.3%

Participation rate

100.0%

59.6%+40.4pp

68.7%+31.3pp

67.2%+32.8pp

Annual return

13.34%

82.14%-68.8pp

133.83%-120.5pp

1370.56%-1357.2pp

Employer contribution / active EE

$293

$1,267-76.9%

$2,421-87.9%

$2,626-88.8%

Participant deferral / active EE

$1,519

$3,052-50.2%

$4,417-65.6%

$4,350-65.1%

Admin fee / account holder

$22

$3,028-99.3%

$8,292-99.7%

$1,946-98.8%

Provider

Service type

Compensation

FIDELITY INVESTMENTS INSTITUTIONAL10+ years

Filed as: FIDELITY INVESTMENTS

Service code 28

100 CROSBY PARWAY · COVINGTON, KY 41015

Investment Management

PENSION ADMINISTRATORS GROUP, INC.10+ years

Service code 15

PO BOX 9023794 · SAN JUAN, PR 009023794

Recordkeeping

ROOMS TO GO RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

ROOMS TO GO 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