Retirement plan

PACIFIC HOME & GARDEN INC.401(K) PLAN

Name: PACIFIC HOME & GARDEN INC. - PACIFIC HOME & GARDEN INC.401(K) PLAN (2024) Form 5500
Creator: PACIFIC HOME & GARDEN INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, PACIFIC HOME & GARDEN INC.401(K) PLAN, PACIFIC HOME & GARDEN INC.

PACIFIC HOME & GARDEN INC.EIN 76-0718178Plan #001PY 2024

705 CARLTON AVE. - STOCKTON, CA 95203510-259-0199pacifichg.comLinkedIn11-50 employeeswholesale

Other plans on this EIN

1 filing

#002Retirement-$612K assets

Prospect flagsLow assets / participantLow fidelity bond

How to read this page

Total assets (EOY)

$1.6M

+34.2% from 2023

Total participants

+3.4% from 2023

Average account balance

$25,958

+29.7% from 2023

Annual return

20.15%

-1.20 pp from 2023

Benchmarks

See 8,999 peers

Peer group

Industry42 - Wholesale Trade

Plan typeDefined contribution

Participants25-99

Cohort8,999 peers

Snapshot2024

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

Analytics

Total assets (EOY)

Plan-year ending balance

$1.99M

Not enough data

1 years with asset history on file

Average account balance

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

$31K

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.

232.1%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$184K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$7K

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

+18.99%

Not enough data

1 years with return on file

Admin fee / account holder

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

$675

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

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

Service providers

Providers data not reported

Schedule C was not filed on this plan's most recent Form 5500, so no compensated service providers are available to display.

Plan features & details

Pension benefit codes2E2F2G2J3D

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.
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 assets / participant
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match 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

$18K

$609 / participant

Other / not subdivided$18K100.0%

% of EOY assets

1.133%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

No opinion code on file for this filing.

Auditor firm: (not reported)
Auditor EIN: -
Audit fees: (not subdivided)
Opinion code: -

Metric

This plan

Peer set

Industry

Size

Avg account balance

$25,958

$101,778-74.5%

$164,975-84.3%

$80,925-67.9%

Participation rate

100.0%

71.8%+28.2pp

78.6%+21.4pp

67.7%+32.3pp

Annual return

20.15%

16.73%+3.4pp

70.12%-50.0pp

35.65%-15.5pp

Employer contribution / active EE

$2,640

$2,954-10.6%

$4,343-39.2%

$2,756-4.2%

Participant deferral / active EE

$3,586

$4,477-19.9%

$6,033-40.6%

$4,299-16.6%

Admin fee / account holder

$294

$8,221-96.4%

$12,688-97.7%

$6,940-95.8%

PACIFIC HOME & GARDEN INC.401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

PACIFIC HOME & GARDEN INC.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