Retirement plan

HABITAT FOR HUMANITY OF METRO DENVER 401(K) PLAN

Name: HABITAT FOR HUMANITY OF METRO DENVER - HABITAT FOR HUMANITY OF METRO DENVER 401(K) PLAN (2018) Form 5500
Creator: HABITAT FOR HUMANITY OF METRO DENVER
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, HABITAT FOR HUMANITY OF METRO DENVER 401(K) PLAN, HABITAT FOR HUMANITY OF METRO DENVER

HABITAT FOR HUMANITY OF METRO DENVEREIN 74-2050021Plan #002PY 2018

3245 ELIOT STREET - DENVER, CO 80211303-534-2929habitatmetrodenver.orgLinkedIn51-200 employeesnon-profit organization management

Prospect flagsLow participationLow fidelity bond

How to read this page

Total assets (EOY)

$2.8M

+2.7% from 2017

Total participants

159

+6.7% from 2017

Average account balance

$24,629

+5.4% from 2017

Annual return

-6.11%

-24.04 pp from 2017

Benchmarks

See 2,759 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants100-249

Cohort2,759 peers

Snapshot2018

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

Analytics

Total assets (EOY)

Plan-year ending balance

$5.57M

Not enough data

1 years with asset history on file

Average account balance

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

$40K

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.

139

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.

75.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$686K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$5K

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

+14.48%

Not enough data

1 years with return on file

Admin fee / account holder

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

$236

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 6 by compensation

Provider	Service type	Compensation
GLOBAL RETIREMENT PARTNERS LLC1 year Filed as: GLOBAL RETIREMENT PARTNERS Service code 27 4340 REDWOOD HWY · SAN RAFAEL, CA 94903	Advisory (Plan)	$8,165
CBIZ RETIREMENT PLAN SERVICES3 years Service code 13 28126 NETWORK PLACE · CHICAGO, IL 60673	Contract Administrator	$5,817
JP MORGAN INVESTMENT MANAGEMENT INC1 year Filed as: ADVOCATES INVESTMENT MANAGEMENT Service code 27 · EIN 27-0435466	Advisory (Plan)	$5,744
GREAT-WEST LIFE & ANNUITY INSURANCE1 year Filed as: EMPOWER Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Investment Management	$3,295
LEAFHOUSE FINANCIAL ADVISORS, LLC2 years Filed as: LEAFHOUSE FINANCIAL ADVISORS Service code 27 · EIN 26-4311657	Advisory (Plan)	$1,030
TRANSAMERICA RETIREMENT SOLUTIONS3 years Filed as: TRANSAMERICA LIFE INS CO Service code 15 · EIN 39-0989781	Recordkeeping	$140

Plan features & details

Pension benefit codes2E2F2G2J2K3D

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.
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

2 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
ComplianceLow fidelity bond
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).

Expense breakdown

Schedule H Part II

Admin total

$12K

$87 / participant

Contract admin$12K100.0%

% of EOY assets

0.424%

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: STRATAGEM PC
Auditor EIN: 271239580
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$24,629

$55,449-55.6%

$83,830-70.6%

$56,287-56.2%

Participation rate

65.9%

68.0%-2.1pp

76.1%-10.2pp

69.9%-3.9pp

Annual return

-6.11%

-1.38%-4.7pp

850.97%-857.1pp

-9.96%+3.8pp

Employer contribution / active EE

$1,315

$2,430-45.9%

$3,631-63.8%

$2,111-37.7%

Participant deferral / active EE

$2,634

$2,935-10.3%

$4,082-35.5%

$3,350-21.4%

Admin fee / account holder

$104

$656-84.1%

$5,479-98.1%

$521-80.0%

Provider

Service type

Compensation

GLOBAL RETIREMENT PARTNERS LLC1 year

Filed as: GLOBAL RETIREMENT PARTNERS

Service code 27

4340 REDWOOD HWY · SAN RAFAEL, CA 94903

Advisory (Plan)

$8,165

CBIZ RETIREMENT PLAN SERVICES3 years

Service code 13

28126 NETWORK PLACE · CHICAGO, IL 60673

Contract Administrator

$5,817

JP MORGAN INVESTMENT MANAGEMENT INC1 year

Filed as: ADVOCATES INVESTMENT MANAGEMENT

Service code 27 · EIN 27-0435466

Advisory (Plan)

$5,744

GREAT-WEST LIFE & ANNUITY INSURANCE1 year

Filed as: EMPOWER

Service code 28

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Investment Management

$3,295

LEAFHOUSE FINANCIAL ADVISORS, LLC2 years

Filed as: LEAFHOUSE FINANCIAL ADVISORS

Service code 27 · EIN 26-4311657

Advisory (Plan)

$1,030

TRANSAMERICA RETIREMENT SOLUTIONS3 years

Filed as: TRANSAMERICA LIFE INS CO

Service code 15 · EIN 39-0989781

Recordkeeping

$140

HABITAT FOR HUMANITY OF METRO DENVER 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

HABITAT FOR HUMANITY OF METRO DENVER 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