Retirement plan

STG DESIGN PROFIT SHARING 401(K) PLAN

Name: SUSMAN, TISDALE, GAYLE ARCHITECTS, DBA STG DESIGN, INC. - STG DESIGN PROFIT SHARING 401(K) PLAN (2024) Form 5500
Creator: SUSMAN, TISDALE, GAYLE ARCHITECTS, DBA STG DESIGN, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, STG DESIGN PROFIT SHARING 401(K) PLAN, SUSMAN, TISDALE, GAYLE ARCHITECTS, DBA STG DESIGN, INC.

SUSMAN, TISDALE, GAYLE ARCHITECTS, DBA STG DESIGN, INC.EIN 74-2112965Plan #001PY 2024

828 WEST 6TH ST. - AUSTIN, TX 787035468512-899-3500

Other plans on this EIN

1 filing

#002Retirement-$18.1M assets

Prospect flagsLow returnsHigh feesCorrective distributions

How to read this page

Total assets (EOY)

$14.1M

-21.3% from 2023

Total participants

133

-16.9% from 2023

Average account balance

$108,967

-7.2% from 2023

Annual return

8.86%

-5.19 pp from 2023

Benchmarks

See 28,844 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants25-99

Cohort28,844 peers

Snapshot2024

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

Analytics

Total assets (EOY)

Plan-year ending balance

$14.06M

Not enough data

1 years with asset history on file

Average account balance

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

$109K

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.

129

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.

95.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$738K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$9K

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

+8.86%

Not enough data

1 years with return on file

Admin fee / account holder

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

$491

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 3 by compensation

Provider	Service type	Compensation
EPIC RETIREMENT PLAN SERVICES8 years Filed as: RETIREMENT PLAN FIDUCIARIES Service code 27 · EIN 90-0815510	Advisory (Plan)	$30,925
PRINCIPAL LIFE INSURANCE COMPANY6 years Service code 13 · EIN 42-0127290	Contract Administrator	$24,398
PEGGY S. EDGE, CPA, LLC7 years Service code 10 · EIN 26-4527814	Accounting	$8,000

Plan features & details

Pension benefit codes2E2F2G2J2K2R2S2T3D

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.
2R
Participant-directed brokerage accounts
Participant-directed brokerage accounts provided as an investment option under the plan.
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

3 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$63K

$792 / participant

Investment mgmt$31K48.8%
Contract admin$24K38.6%
Other / not subdivided$8K12.6%

% of EOY assets

0.451%

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: PEGGY S. EDGE, CPA, LLC
Auditor EIN: 264527814
Audit fees: $8,000
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$108,967

$102,422+6.4%

$147,117-25.9%

$80,959+34.6%

Participation rate

95.0%

75.9%+19.1pp

82.2%+12.8pp

67.7%+27.3pp

Annual return

8.86%

135.16%-126.3pp

420.54%-411.7pp

35.67%-26.8pp

Employer contribution / active EE

$3,717-100.0%

$4,932-100.0%

$2,757-100.0%

Participant deferral / active EE

$9,222

$6,652+38.6%

$8,065+14.4%

$4,300+114.5%

Admin fee / account holder

$491

$7,953-93.8%

$12,993-96.2%

$6,925-92.9%

Provider

Service type

Compensation

EPIC RETIREMENT PLAN SERVICES8 years

Filed as: RETIREMENT PLAN FIDUCIARIES

Service code 27 · EIN 90-0815510

Advisory (Plan)

$30,925

PRINCIPAL LIFE INSURANCE COMPANY6 years

Service code 13 · EIN 42-0127290

Contract Administrator

$24,398

PEGGY S. EDGE, CPA, LLC7 years

Service code 10 · EIN 26-4527814

Accounting

$8,000

STG DESIGN PROFIT SHARING 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

STG DESIGN PROFIT SHARING 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