Retirement plan

RJP FRAMING, INC. 401(K) PLAN

Name: RJP FRAMING, INC. - RJP FRAMING, INC. 401(K) PLAN (2017) Form 5500
Creator: RJP FRAMING, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, RJP FRAMING, INC. 401(K) PLAN, RJP FRAMING, INC.

RJP FRAMING, INC.EIN 68-0567613Plan #001PY 2017

5137 GOLDEN FOOTHILL PARKWAY #100 - EL DORADO HILLS, CA 95762916-941-3934rjpframing.comLinkedIn201-500 employeesconstruction

Prospect flagsLow assets / participantLow employer contributionLow participant contributionFailed to transmit contributions

How to read this page

Total assets (EOY)

$251K

+62.8% from 2016

Total participants

140

-35.5% from 2016

Average account balance

$2,181

+161.8% from 2016

Annual return

14.77%

-6.23 pp from 2016

Benchmarks

See 2,582 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants100-249

Cohort2,582 peers

Snapshot2017

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Analytics

Total assets (EOY)

Plan-year ending balance

$1.64M

Not enough data

1 years with asset history on file

Average account balance

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

$28K

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.

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.

25.4%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$287K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$1K

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

+14.15%

Not enough data

1 years with return on file

Admin fee / account holder

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

$9913

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

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Service providers

Top 3 by compensation

Provider	Service type	Compensation
BENEFIT RESOURCES, INC.1 year Filed as: BENEFIT RESOURCES Service code 15 · EIN 68-0198481 1545 RIVER PARK DRIVE · SACRAMENTO, CA 95815	Recordkeeping	$4,391
THE GUARDIAN INSURANCE & ANNUITY CO2+ years Service code 15 · EIN 13-2656036 3900 BURGESS PLACE · BETHLEHEM, PA 18017	Recordkeeping	$3,399
STADION MONEY MANAGEMENT1 year Service code 26 · EIN 58-2099805 1061 CLIFF DAWSON ROAD · WATKINSVILLE, GA 30677	Advisory (Participants)	$653

Plan features & details

Pension benefit codes2A2E2J2K2F2G3D

Plan features

2A
Age/service weighted or new comparability plan
Age/service weighted plan where allocations are based on age service or age and service; or new comparability or similar plan where allocations are based on participant classifications consisting entirely or predominantly of highly compensated employees or the plan provides an additional allocation rate on compensation above a specified threshold that exceeds the permitted disparity limits of Code section 401(l).
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.
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

4 tripped

OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
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.
ComplianceFailed to transmit contributions
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).

Expense breakdown

Schedule H Part II

Admin total

$8K

$81 / participant

Other / not subdivided$8K100.0%

% of EOY assets

3.366%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

The auditor signed off without reservation. This is the cleanest opinion.

Auditor firm: BFBA, LLP
Auditor EIN: 680000424
Audit fees: (not subdivided)
Opinion code: Unqualified

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$2,181

$58,726-96.3%

$92,233-97.6%

$62,292-96.5%

Participation rate

76.0%

68.3%+7.6pp

76.5%-0.5pp

69.5%+6.4pp

Annual return

14.77%

43.62%-28.8pp

176.28%-161.5pp

28.90%-14.1pp

Employer contribution / active EE

$220

$2,392-90.8%

$3,679-94.0%

$2,042-89.2%

Participant deferral / active EE

$594

$2,766-78.5%

$3,897-84.8%

$3,169-81.3%

Admin fee / account holder

$73

$556-86.8%

$5,194-98.6%

$479-84.7%

Provider

Service type

Compensation

BENEFIT RESOURCES, INC.1 year

Filed as: BENEFIT RESOURCES

Service code 15 · EIN 68-0198481

1545 RIVER PARK DRIVE · SACRAMENTO, CA 95815

Recordkeeping

$4,391

THE GUARDIAN INSURANCE & ANNUITY CO2+ years

Service code 15 · EIN 13-2656036

3900 BURGESS PLACE · BETHLEHEM, PA 18017

Recordkeeping

$3,399

STADION MONEY MANAGEMENT1 year

Service code 26 · EIN 58-2099805

1061 CLIFF DAWSON ROAD · WATKINSVILLE, GA 30677

Advisory (Participants)

$653

RJP FRAMING, INC. 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

RJP FRAMING, INC. 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