Retirement plan

MURAL 401(K) PLAN

Name: TACTIVOS INC - MURAL 401(K) PLAN (2022) Form 5500
Creator: TACTIVOS INC
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, MURAL 401(K) PLAN, TACTIVOS INC

TACTIVOS INCdba MURALEIN 68-0682011Plan #001PY 2022

650 CALIFORNIA STREET, 7TH FLOOR, SUITE 105 - SAN FRANCISCO, CA 94108757-816-5348

Prospect flagsLow assets / participantFailed to transmit contributionsCorrective distributions

How to read this page

Total assets (EOY)

$10.1M

+128.0% from 2021

Total participants

622

+19.8% from 2021

Average account balance

$20,062

+54.4% from 2021

Annual return

3.34%

+3.34 pp from 2021

Benchmarks

See 605 peers

Peer group

Industry51 - Information

Plan typeDefined contribution

Participants250-999

Cohort605 peers

Snapshot2022

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

Analytics

Total assets (EOY)

Plan-year ending balance

$20.73M

Not enough data

1 years with asset history on file

Average account balance

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

$39K

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.

532

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.

81.4%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$3.60M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$17K

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

+23.47%

Not enough data

1 years with return on file

Admin fee / account holder

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

$179

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
SILICON VALLEY RETIREMENT SERVICES2+ years Service code 27 · EIN 27-2233898	Advisory (Plan)	$22,782
THE VANGUARD GROUP, INC.1 year Service code 15 · EIN 23-1945930	Recordkeeping	$14,133

Plan features & details

Pension benefit codes2T3D2G2J2K2F

Plan features

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.
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

3 tripped

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

Expense breakdown

Schedule H Part II

Admin total

$37K

$86 / participant

Investment mgmt$23K61.7%
Contract admin$14K38.3%

% of EOY assets

0.364%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: AUDIT AND TAX SOLUTIONS, CPAS, INC.
Auditor EIN: 943211753
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$20,062

$64,612-68.9%

$86,451-76.8%

$64,824-69.1%

Participation rate

72.8%

81.5%-8.7pp

80.3%-7.5pp

71.5%+1.3pp

Annual return

3.34%

0.66%+2.7pp

4398.51%-4395.2pp

32.84%-29.5pp

Employer contribution / active EE

$2,761

$2,744+0.6%

$3,770-26.8%

$2,507+10.1%

Participant deferral / active EE

$12,416

$7,497+65.6%

$6,953+78.6%

$4,311+188.0%

Admin fee / account holder

$73

$169-56.8%

$6,734-98.9%

$188-61.1%

Provider

Service type

Compensation

SILICON VALLEY RETIREMENT SERVICES2+ years

Service code 27 · EIN 27-2233898

Advisory (Plan)

$22,782

THE VANGUARD GROUP, INC.1 year

Service code 15 · EIN 23-1945930

Recordkeeping

$14,133

MURAL 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

MURAL 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