Retirement plan

GPM HOME OFFICE EMPLOYEES RETIREMENT PLAN

Name: GOVERNMENT PERSONNEL MUTUAL LIFE INSURANCE COMPANY - GPM HOME OFFICE EMPLOYEES RETIREMENT PLAN (2017) Form 5500
Creator: GOVERNMENT PERSONNEL MUTUAL LIFE INSURANCE COMPANY
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, GPM HOME OFFICE EMPLOYEES RETIREMENT PLAN, GOVERNMENT PERSONNEL MUTUAL LIFE INSURANCE COMPANY

GOVERNMENT PERSONNEL MUTUAL LIFE INSURANCE COMPANYEIN 74-0651020Plan #004PY 2017

2211 NE LOOP 410 - SAN ANTONIO, TX 782174630210-357-2222

Prospect flagsLow returns

Top hat statement on fileNQDC

Filed December 30, 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)

$24.3M

+10.6% from 2016

Total participants

150

+3.4% from 2016

Average account balance

$162,269

+6.9% from 2016

Annual return

11.97%

+1.48 pp from 2016

Benchmarks

See 2,201 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants100-249

Cohort2,201 peers

Snapshot2017

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Analytics

Total assets (EOY)

Plan-year ending balance

$28.66M

Not enough data

1 years with asset history on file

Average account balance

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

$168K

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.

171

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.

99.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.64M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$14K

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

+10.06%

Not enough data

1 years with return on file

Admin fee / account holder

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

$446

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 16 by compensation

Provider	Service type	Compensation
MASSACHUSETTS MUTUAL LIFE INS. CO.2 years Filed as: MASSACHUSETTS MUTUAL LIFE INS CO Service code 52 · EIN 04-1590850	Indirect Investment Fees	$5,910
MORGAN STANLEY SMITH BARNEY1 year Filed as: MORGAN STANLEY INS. SERVICES INC. Service code 53	Insurance Commissions	$1,337
ALGER1 year Service code 52 · EIN 13-3733280	Indirect Investment Fees	$0
AMERICAN CENTURY1 year Service code 52 · EIN 90-0342299	Indirect Investment Fees	$0
AMERICAN FUNDS1 year Service code 52 · EIN 52-0792143	Indirect Investment Fees	$0
BARON1 year Service code 52 · EIN 13-3806818	Indirect Investment Fees	$0
CRM1 year Service code 52 · EIN 01-0513518	Indirect Investment Fees	$0
FRANKLIN TEMPLETON1 year Service code 52 · EIN 59-2745039	Indirect Investment Fees	$0
INVESCO1 year Service code 52 · EIN 95-2513084	Indirect Investment Fees	$0
MASSACHUSETTS MUTUAL LIFE INS. CO.3+ years Filed as: MASSACHUSETSS MUTUAL LIFE INS. CO. Service code 60	Sub-TA Fees	$0

Plan features & details

Pension benefit codes2E2F2G2J2K2S2T3D

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.

Opportunity flags

1 tripped

OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$6K

$51 / participant

Contract admin$6K100.0%

% of EOY assets

0.024%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Disclaimer opinion

The auditor declined to give an opinion. This is usually a 103(a)(3)(C) limited-scope election.

Auditor firm: ERNST & YOUNG, LLP
Auditor EIN: 346565596
Audit fees: (not subdivided)
Opinion code: Disclaimer

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$162,269

$89,739+80.8%

$149,718+8.4%

$62,292+160.5%

Participation rate

100.0%

85.1%+14.9pp

87.1%+12.9pp

69.5%+30.5pp

Annual return

11.97%

21.01%-9.0pp

1501.63%-1489.7pp

28.90%-16.9pp

Employer contribution / active EE

$4,198

$3,233+29.8%

$5,445-22.9%

$2,042+105.6%

Participant deferral / active EE

$5,720

$4,797+19.2%

$6,569-12.9%

$3,169+80.5%

Admin fee / account holder

$39

$551-92.9%

$11,283-99.7%

$479-91.8%

Provider

Service type

Compensation

MASSACHUSETTS MUTUAL LIFE INS. CO.2 years

Filed as: MASSACHUSETTS MUTUAL LIFE INS CO

Service code 52 · EIN 04-1590850

Indirect Investment Fees

$5,910

MORGAN STANLEY SMITH BARNEY1 year

Filed as: MORGAN STANLEY INS. SERVICES INC.

Service code 53

Insurance Commissions

$1,337

ALGER1 year

Service code 52 · EIN 13-3733280

Indirect Investment Fees

AMERICAN CENTURY1 year

Service code 52 · EIN 90-0342299

Indirect Investment Fees

AMERICAN FUNDS1 year

Service code 52 · EIN 52-0792143

Indirect Investment Fees

BARON1 year

Service code 52 · EIN 13-3806818

Indirect Investment Fees

CRM1 year

Service code 52 · EIN 01-0513518

Indirect Investment Fees

FRANKLIN TEMPLETON1 year

Service code 52 · EIN 59-2745039

Indirect Investment Fees

INVESCO1 year

Service code 52 · EIN 95-2513084

Indirect Investment Fees

MASSACHUSETTS MUTUAL LIFE INS. CO.3+ years

Filed as: MASSACHUSETSS MUTUAL LIFE INS. CO.

Service code 60

Sub-TA Fees

GPM HOME OFFICE EMPLOYEES RETIREMENT PLAN

Top hat statement on fileNQDC

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

GPM HOME OFFICE EMPLOYEES 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