Retirement plan

SIGN WAREHOUSE, INC. 401K AND PROFIT SHARING PLAN

Name: SIGN WAREHOUSE, INC. - SIGN WAREHOUSE, INC. 401K AND PROFIT SHARING PLAN (2018) Form 5500
Creator: SIGN WAREHOUSE, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, SIGN WAREHOUSE, INC. 401K AND PROFIT SHARING PLAN, SIGN WAREHOUSE, INC.

SIGN WAREHOUSE, INC.EIN 75-2002126Plan #001PY 2018

2614 TEXOMA DR. - DENISON, TX 75020903-462-7700LinkedIn201-500 employeeswholesale

Prospect flagsLow participationLow employer contributionFailed to transmit contributions

How to read this page

Total assets (EOY)

$1.1M

-5.4% from 2017

Total participants

-2.3% from 2017

Average account balance

$16,612

-32.6% from 2017

Annual return

-1.58%

-8.85 pp from 2017

Benchmarks

See 2,031 peers

Peer group

Industry45 - Retail Trade

Plan typeDefined contribution

Participants25-99

Cohort2,031 peers

Snapshot2018

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

Analytics

Total assets (EOY)

Plan-year ending balance

$1.08M

Not enough data

1 years with asset history on file

Average account balance

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

$43K

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.

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.

83.3%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$46K

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

+7.41%

Not enough data

1 years with return on file

Admin fee / account holder

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

$1650

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

0 years with F_SCH_H allocation on file

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Service providers

Top 9 by compensation

Provider	Service type	Compensation
MASSACHUSETTS MUTUAL LIFE INS. CO.4+ years Filed as: MASS MUTUAL LIFE INSURANCE CO Service code 52 · EIN 04-1590850	Indirect Investment Fees	$9,634
RANDY SILHAN, CPA, CFE1 year Service code 50 · EIN 26-2515308	Direct Payment	$6,000
AMERICAN CENTURY2 years Service code 52 · EIN 43-1819235	Indirect Investment Fees	$0
BARON2 years Service code 52 · EIN 13-6891420	Indirect Investment Fees	$0
MASSACHUSETTS MUTUAL LIFE INS. CO.4+ years Filed as: MASS MUTUAL LIFE INSURANCE CO. Service code 52	Indirect Investment Fees	$0
OPPENHEIMER2 years Service code 52 · EIN 93-1036175	Indirect Investment Fees	$0
PENTEC PENSION MANAGEMENT GROUP INC4+ years Filed as: PENTEC PENSION MGMT GROUP, INC. Service code 13 · EIN 75-2776689	Contract Administrator	$0
THOMAS BEAL3 years Filed as: THOMAS H. KYLE Service code 53 123 N CROCKETT ST., STE. 300 · SHERMAN, TX 75090	Insurance Commissions	$0
WELLS FARGO BANK, N.A.2 years Filed as: WELLS FARGO Service code 52 · EIN 41-0449260	Indirect Investment Fees	$0

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

3 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityLow employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.
ComplianceFailed to transmit contributions
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).

Expense breakdown

Schedule H Part II

Admin total

$16K

$265 / participant

Contract admin$16K100.0%

% of EOY assets

1.426%

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: RANDY SILHAN, CPA, CFE
Auditor EIN: 262515308
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$16,612

$53,596-69.0%

$90,657-81.7%

$64,173-74.1%

Participation rate

67.8%

64.5%+3.3pp

74.0%-6.2pp

69.6%-1.8pp

Annual return

-1.58%

4.41%-6.0pp

1.89%-3.5pp

7.63%-9.2pp

Employer contribution / active EE

$84

$1,503-94.4%

$2,532-96.7%

$2,381-96.5%

Participant deferral / active EE

$1,549

$2,459-37.0%

$3,424-54.8%

$3,470-55.4%

Admin fee / account holder

$237

$3,868-93.9%

$4,994-95.3%

$4,887-95.2%

Provider

Service type

Compensation

MASSACHUSETTS MUTUAL LIFE INS. CO.4+ years

Filed as: MASS MUTUAL LIFE INSURANCE CO

Service code 52 · EIN 04-1590850

Indirect Investment Fees

$9,634

RANDY SILHAN, CPA, CFE1 year

Service code 50 · EIN 26-2515308

Direct Payment

$6,000

AMERICAN CENTURY2 years

Service code 52 · EIN 43-1819235

Indirect Investment Fees

BARON2 years

Service code 52 · EIN 13-6891420

Indirect Investment Fees

MASSACHUSETTS MUTUAL LIFE INS. CO.4+ years

Filed as: MASS MUTUAL LIFE INSURANCE CO.

Service code 52

Indirect Investment Fees

OPPENHEIMER2 years

Service code 52 · EIN 93-1036175

Indirect Investment Fees

PENTEC PENSION MANAGEMENT GROUP INC4+ years

Filed as: PENTEC PENSION MGMT GROUP, INC.

Service code 13 · EIN 75-2776689

Contract Administrator

THOMAS BEAL3 years

Filed as: THOMAS H. KYLE

Service code 53

123 N CROCKETT ST., STE. 300 · SHERMAN, TX 75090

Insurance Commissions

WELLS FARGO BANK, N.A.2 years

Filed as: WELLS FARGO

Service code 52 · EIN 41-0449260

Indirect Investment Fees

SIGN WAREHOUSE, INC. 401K AND PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

SIGN WAREHOUSE, INC. 401K AND PROFIT SHARING 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