Retirement plan

4-STAR TRAILERS, INC. EMPLOYEE SAVINGS & PROTECTION PLAN

Name: 4-STAR TRAILERS, INC. - 4-STAR TRAILERS, INC. EMPLOYEE SAVINGS & PROTECTION PLAN (2020) Form 5500
Creator: 4-STAR TRAILERS, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, 4-STAR TRAILERS, INC. EMPLOYEE SAVINGS & PROTECTION PLAN, 4-STAR TRAILERS, INC.

4-STAR TRAILERS, INC.EIN 73-1212077Plan #001PY 2020

10000 NW 10TH STREET - OKLAHOMA CITY, OK 73127405-324-78724startrailers.comLinkedIn51-200 employeestransportation/trucking/railroad

Prospect flagsLow returnsLow assets / participantLow employer contributionLow participant contributionRecently reached 100 employees

How to read this page

Total assets (EOY)

$3.6M

+5.7% from 2019

Total participants

139

+5.3% from 2019

Average account balance

$29,556

-45.0% from 2019

Annual return

9.81%

-9.81 pp from 2019

Benchmarks

See 4,082 peers

Peer group

Industry33 - Manufacturing

Plan typeDefined contribution

Participants100-249

Cohort4,082 peers

Snapshot2020

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

Analytics

Total assets (EOY)

Plan-year ending balance

$3.84M

Not enough data

1 years with asset history on file

Average account balance

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

$30K

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.

128

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.

90.8%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$257K

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

+10.16%

Not enough data

1 years with return on file

Admin fee / account holder

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

$140

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 4 by compensation

Provider	Service type	Compensation
OK401K INC1 year Service code 27 3600 NW 138TH STREET · OKLAHOMA CITY, OK 73134	Advisory (Plan)	$5,817
JPMORGAN INVEST HOLDINGS LLC1 year Service code 64 · EIN 13-2624428	Recordkeeping Fees	$5,465
WELLS FARGO BANK, N.A.3 years Filed as: WELLS FARGO CLEARING SERVICES LLC Service code 27 · EIN 23-2384840	Advisory (Plan)	$2,369
FIDELITY INVESTMENTS INSTITUTIONAL6+ years Service code 60 · EIN 04-2647786	Sub-TA Fees	$0

Plan features & details

Pension benefit codes2E2F2G2J2K2S2T3D3H

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

5 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 returns
Annual investment return 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.
InformationalRecently reached 100 employees
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.

Expense breakdown

Schedule H Part II

Admin total

$14K

$108 / participant

Contract admin$14K100.0%

% of EOY assets

0.375%

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

Metric

This plan

Peer set

Industry

Size

Avg account balance

$29,556

$73,638-59.9%

$95,960-69.2%

$73,493-59.8%

Participation rate

87.3%

76.2%+11.1pp

77.1%+10.2pp

70.7%+16.6pp

Annual return

9.81%

16.78%-7.0pp

91.63%-81.8pp

28.51%-18.7pp

Employer contribution / active EE

$152

$1,863-91.8%

$2,541-94.0%

$2,270-93.3%

Participant deferral / active EE

$1,522

$3,617-57.9%

$4,167-63.5%

$3,740-59.3%

Admin fee / account holder

$111

$482-77.0%

$6,797-98.4%

$513-78.4%

Provider

Service type

Compensation

OK401K INC1 year

Service code 27

3600 NW 138TH STREET · OKLAHOMA CITY, OK 73134

Advisory (Plan)

$5,817

JPMORGAN INVEST HOLDINGS LLC1 year

Service code 64 · EIN 13-2624428

Recordkeeping Fees

$5,465

WELLS FARGO BANK, N.A.3 years

Filed as: WELLS FARGO CLEARING SERVICES LLC

Service code 27 · EIN 23-2384840

Advisory (Plan)

$2,369

FIDELITY INVESTMENTS INSTITUTIONAL6+ years

Service code 60 · EIN 04-2647786

Sub-TA Fees

4-STAR TRAILERS, INC. EMPLOYEE SAVINGS & PROTECTION PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

4-STAR TRAILERS, INC. EMPLOYEE SAVINGS & PROTECTION 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