Retirement plan

RUGGERI-JENSEN-AZAR 401(K) RETIREMENT PLAN

Name: RUGGERI-JENSEN-AZAR - RUGGERI-JENSEN-AZAR 401(K) RETIREMENT PLAN (2021) Form 5500
Creator: RUGGERI-JENSEN-AZAR
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, RUGGERI-JENSEN-AZAR 401(K) RETIREMENT PLAN, RUGGERI-JENSEN-AZAR

RUGGERI-JENSEN-AZAREIN 77-0404780Plan #002PY 2021

4690 CHABOT DRIVE SUITE 200 - PLEASANTON, CA 94588925-227-9100

Prospect flagsHigh assets / participantCorrective distributions

How to read this page

Total assets (EOY)

$36.7M

+18.4% from 2020

Total participants

121

-5.5% from 2020

Average account balance

$356,186

+34.5% from 2020

Annual return

16.42%

-3.74 pp from 2020

Benchmarks

See 9,330 peers

Peer group

Industry44 - Retail Trade

Plan typeDefined contribution

Participants25-99

Cohort9,330 peers

Snapshot2021

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

Analytics

Total assets (EOY)

Plan-year ending balance

$41.33M

Not enough data

1 years with asset history on file

Average account balance

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

$376K

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.

110

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.

69.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.40M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$17K

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

+21.27%

Not enough data

1 years with return on file

Admin fee / account holder

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

$1122

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 2 by compensation

Provider	Service type	Compensation
MORGAN STANLEY SMITH BARNEY5 years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 55 1 NEW YORK PLZ FL 12 · NEW YORK, NY 10004	Other Commissions	$79,718
VOYA RETIREMENT INSURANCE & ANNUITY5 years Service code 64 · EIN 71-0294708	Recordkeeping Fees	$10,592

Plan features & details

Pension benefit codes2E2F2G2J3B3D3H

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.
3B
Plan covering self-employed individuals
Plan covering self-employed individuals.
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.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

2 tripped

ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).
InformationalHigh assets / participant
Assets per participant exceed $250,000 - top-decile high-value plan.

Expense breakdown

Schedule H Part II

Admin total

$11K

$126 / participant

Other / not subdivided$11K100.0%

% of EOY assets

0.029%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: MARCUM LLP
Auditor EIN: 111986323
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$356,186

$70,430+405.7%

$96,572+268.8%

$85,851+314.9%

Participation rate

78.6%

61.8%+16.8pp

69.8%+8.7pp

69.3%+9.3pp

Annual return

16.42%

18.58%-2.2pp

37.79%-21.4pp

318.63%-302.2pp

Employer contribution / active EE

$4,391

$1,413+210.7%

$2,357+86.3%

$2,565+71.2%

Participant deferral / active EE

$8,401

$2,894+190.3%

$3,850+118.2%

$3,952+112.6%

Admin fee / account holder

$103

$4,996-97.9%

$6,183-98.3%

$6,261-98.4%

Provider

Service type

Compensation

MORGAN STANLEY SMITH BARNEY5 years

Filed as: MORGAN STANLEY SMITH BARNEY LLC

Service code 55

1 NEW YORK PLZ FL 12 · NEW YORK, NY 10004

Other Commissions

$79,718

VOYA RETIREMENT INSURANCE & ANNUITY5 years

Service code 64 · EIN 71-0294708

Recordkeeping Fees

$10,592

RUGGERI-JENSEN-AZAR 401(K) RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

RUGGERI-JENSEN-AZAR 401(K) RETIREMENT 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