Retirement plan

VCC RETIREMENT PLAN

VCCEIN 71-0644259Plan #001PY 2017

216 LOUISIANA STREET - LITTLE ROCK, AR 72201501-376-0017

Prospect flagsFailed to transmit contributionsCorrective distributions

Top hat statement on fileNQDC

Filed December 31, 1992

This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.

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Total assets (EOY)

$44.9M

+17.6% from 2016

Total participants

451

+17.8% from 2016

Average account balance

$100,638

-0.1% from 2016

Annual return

17.34%

+7.65 pp from 2016

Benchmarks

See 1,124 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants250-999

Cohort1,124 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$80.68M

Not enough data

1 years with asset history on file

Average account balance

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

$98K

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.

824

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.

87.9%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$4.40M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$8K

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

+13.36%

Not enough data

1 years with return on file

Admin fee / account holder

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

$100

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

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Service providers

Top 10 of 12 by compensation

Provider	Service type	Compensation
UBS FINANCIAL SERVICES INC1 year Filed as: UBS FINANCIAL SERVICES INC. Service code 27 · EIN 13-2638166	Advisory (Plan)	$68,443
MASSACHUSETTS MUTUAL LIFE INS. CO.3+ years Service code 52 · EIN 04-1590850	Indirect Investment Fees	$7,382
JPMS COX, PLLC3+ years Service code 50 · EIN 20-1776739	Direct Payment	$6,000
JPMS COX, PLLC3+ years Filed as: JPMS COX Service code 50 · EIN 20-1776739	Direct Payment	$5,000
ALLIANZ GLOBAL INVESTORS1 year Service code 52 · EIN 33-0457728	Indirect Investment Fees	$0
AMERICAN FUNDS1 year Service code 52 · EIN 95-1411037	Indirect Investment Fees	$0
FRANKLIN TEMPLETON1 year Filed as: FRANKLINTEMPLETON Service code 52 · EIN 59-6865210	Indirect Investment Fees	$0
INVESCO1 year Service code 52 · EIN 94-2362417	Indirect Investment Fees	$0
JANUS HENDERSON1 year Service code 52 · EIN 84-1202943	Indirect Investment Fees	$0
METROPOLITAN WEST ASSET MANAGEMENT1 year Service code 52 · EIN 95-4625304	Indirect Investment Fees	$0

Plan features & details

Pension benefit codes2E2J2F2G2K3D3H2S2T

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.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
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.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

2 tripped

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

$21K

$53 / participant

Contract admin$6K26.4%
Other / not subdivided$15K73.6%

% of EOY assets

0.047%

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: HOGANTAYLOR LLP
Auditor EIN: 731413977
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$100,638

$60,545+66.2%

$92,240+9.1%

$69,631+44.5%

Participation rate

98.7%

72.2%+26.6pp

76.5%+22.2pp

70.7%+28.0pp

Annual return

17.34%

19.71%-2.4pp

176.29%-159.0pp

27571.02%-27553.7pp

Employer contribution / active EE

$3,833

$2,633+45.6%

$3,680+4.2%

$2,032+88.6%

Participant deferral / active EE

$5,523

$2,828+95.3%

$3,897+41.7%

$3,224+71.3%

Admin fee / account holder

$47

$145-67.7%

$5,194-99.1%

$110-57.6%

Provider

Service type

Compensation

UBS FINANCIAL SERVICES INC1 year

Filed as: UBS FINANCIAL SERVICES INC.

Service code 27 · EIN 13-2638166

Advisory (Plan)

$68,443

MASSACHUSETTS MUTUAL LIFE INS. CO.3+ years

Service code 52 · EIN 04-1590850

Indirect Investment Fees

$7,382

JPMS COX, PLLC3+ years

Service code 50 · EIN 20-1776739

Direct Payment

$6,000

JPMS COX, PLLC3+ years

Filed as: JPMS COX

Service code 50 · EIN 20-1776739

Direct Payment

$5,000

ALLIANZ GLOBAL INVESTORS1 year

Service code 52 · EIN 33-0457728

Indirect Investment Fees

AMERICAN FUNDS1 year

Service code 52 · EIN 95-1411037

Indirect Investment Fees

FRANKLIN TEMPLETON1 year

Filed as: FRANKLINTEMPLETON

Service code 52 · EIN 59-6865210

Indirect Investment Fees

INVESCO1 year

Service code 52 · EIN 94-2362417

Indirect Investment Fees

JANUS HENDERSON1 year

Service code 52 · EIN 84-1202943

Indirect Investment Fees

METROPOLITAN WEST ASSET MANAGEMENT1 year

Service code 52 · EIN 95-4625304

Indirect Investment Fees

VCC RETIREMENT PLAN

Top hat statement on fileNQDC

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

VCC RETIREMENT PLAN

Top hat statement on fileNQDC

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