Retirement plan

VALLEY YELLOW PAGES EMPLOYEES 401(K) PLAN

Name: AGI PUBLISHING, INC. - VALLEY YELLOW PAGES EMPLOYEES 401(K) PLAN (2016) Form 5500
Creator: AGI PUBLISHING, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, VALLEY YELLOW PAGES EMPLOYEES 401(K) PLAN, AGI PUBLISHING, INC.

AGI PUBLISHING, INC.EIN 68-0067337Plan #001PY 2016

1850 N GATEWAY BLVD - FRESNO, CA 937271600559-251-8888LinkedIn201-500 employeespublishing

Prospect flagsLow participationCorrective distributions

How to read this page

Total assets (EOY)

$10.4M

No prior year

Total participants

233

No prior year

Average account balance

$60,608

No prior year

Annual return

7.55%

No prior year

Benchmarks

See 837 peers

Peer group

Industry51 - Information

Plan typeDefined contribution

Participants100-249

Cohort837 peers

Snapshot2016

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

Analytics

Total assets (EOY)

Plan-year ending balance

Not enough data

1 years with asset history on file

Average account balance

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

Not enough data

0 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

Not enough data

0 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

Not enough data

0 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

Not enough data

0 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

Not enough data

0 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+0.21%

Not enough data

1 years with return on file

Admin fee / account holder

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

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

0 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
JOHN HANCOCK LIFE INSURANCE COMPANY1+ years Filed as: JOHN HANCOCK RETIREMENT PLAN SRVCS Service code 15 · EIN 01-0233346	Recordkeeping	$13,171
SAGEVIEW ADVISORY GROUP, LLC2+ years Filed as: SAGEVIEW ADVISORY GROUP Service code 27 1 BUSH ST · SAN FRANCISCO, CA 94104	Advisory (Plan)	$12,930

Plan features & details

Pension benefit codes2E2F2G2J2K3F

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.
3F
Leased employees
Plan sponsor(s) received services of leased employees as defined in Code section 414(n) during the plan year.

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

$26K

$162 / participant

Investment mgmt$13K49.5%
Contract admin$13K50.5%

% of EOY assets

0.250%

all-in expense ratio

Categories reported

2 / 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: MOORE GRIDER & COMPANY
Auditor EIN: 942191284
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$60,608

$51,244+18.3%

$80,977-25.2%

$55,167+9.9%

Participation rate

62.1%

71.7%-9.6pp

75.8%-13.7pp

69.0%-6.9pp

Annual return

7.55%

17.39%-9.8pp

17.11%-9.6pp

169.23%-161.7pp

Employer contribution / active EE

$769

$1,770-56.6%

$3,715-79.3%

$1,963-60.8%

Participant deferral / active EE

$3,559

$4,418-19.4%

$5,696-37.5%

$3,054+16.5%

Admin fee / account holder

$152

$398-61.9%

$5,517-97.2%

$504-69.9%

Provider

Service type

Compensation

JOHN HANCOCK LIFE INSURANCE COMPANY1+ years

Filed as: JOHN HANCOCK RETIREMENT PLAN SRVCS

Service code 15 · EIN 01-0233346

Recordkeeping

$13,171

SAGEVIEW ADVISORY GROUP, LLC2+ years

Filed as: SAGEVIEW ADVISORY GROUP

Service code 27

1 BUSH ST · SAN FRANCISCO, CA 94104

Advisory (Plan)

$12,930

VALLEY YELLOW PAGES EMPLOYEES 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

VALLEY YELLOW PAGES EMPLOYEES 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