Retirement plan

STANCE, INC. 401(K) PLAN

Name: STANCE, INC. - STANCE, INC. 401(K) PLAN (2017) Form 5500
Creator: STANCE, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, STANCE, INC. 401(K) PLAN, STANCE, INC.

STANCE, INC.EIN 80-0492233Plan #001PY 2017

193 AVENIDA LA PATA - SAN CLEMENTE, CA 92672949-391-9030stance.comLinkedIn51-200 employeesapparel & fashion

Prospect flagsLow participationRecently reached 100 employeesLow fidelity bond

How to read this page

Total assets (EOY)

$4.1M

+46.3% from 2016

Total participants

205

+12.0% from 2016

Average account balance

$40,389

+31.8% from 2016

Annual return

27.14%

+9.64 pp from 2016

Benchmarks

See 2,319 peers

Peer group

Industry44 - Retail Trade

Plan typeDefined contribution

Participants100-249

Cohort2,319 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$6.90M

Not enough data

1 years with asset history on file

Average account balance

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

$75K

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.

59.7%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$775K

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

+16.78%

Not enough data

1 years with return on file

Admin fee / account holder

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

$14358

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

Top 6 by compensation

Provider	Service type	Compensation
GREAT-WEST LIFE & ANNUITY INSURANCE2 years Service code 64 · EIN 84-0467907 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Recordkeeping Fees	$10,823
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 55 1 NEW YORK PLZ 12TH FL · NEW YORK, NY 10004	Other Commissions	$8,061
PREMIER PLAN CONSULTANTS1 year Filed as: PREMIER PLAN CONSULTANTS INC Service code 13 6215 FERRIS SQ STE 250 · SAN DIEGO, CA 92121	Contract Administrator	$1,904
SAN DIEGO PENSION CONSULTANTS2 years Filed as: SAN DIEGO PENSION CONSULTANTS, INC. Service code 13	Contract Administrator	$1,499
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY INSURANCE SERVICES I Service code 55 1 NEW YORK PLZ 12TH FL · NEW YORK, NY 10004	Other Commissions	$137
SAN DIEGO PENSION CONSULTANTS1 year Filed as: SAN DIEGO PENSION CONSULTANTS INC. Service code 13 5628 COPLEY DRIVE · SAN DIEGO, CA 92111	Contract Administrator	$0

Plan features & details

Pension benefit codes2E2J2K2F2G3D2T

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.
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

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).
InformationalRecently reached 100 employees
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.

Expense breakdown

Schedule H Part II

Admin total

$11K

$59 / participant

Contract admin$11K100.0%

% of EOY assets

0.270%

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: MOSS ADAMS LLP
Auditor EIN: 910189318
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$40,389

$51,466-21.5%

$78,778-48.7%

$62,293-35.2%

Participation rate

44.7%

59.8%-15.1pp

69.2%-24.5pp

69.5%-24.8pp

Annual return

27.14%

19.96%+7.2pp

35.62%-8.5pp

28.90%-1.8pp

Employer contribution / active EE

$1,440

$827+74.1%

$1,986-27.5%

$2,042-29.5%

Participant deferral / active EE

$2,431

$2,147+13.2%

$2,958-17.8%

$3,169-23.3%

Admin fee / account holder

$109

$489-77.7%

$5,134-97.9%

$479-77.3%

Provider

Service type

Compensation

GREAT-WEST LIFE & ANNUITY INSURANCE2 years

Service code 64 · EIN 84-0467907

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Recordkeeping Fees

$10,823

MORGAN STANLEY SMITH BARNEY2 years

Filed as: MORGAN STANLEY SMITH BARNEY LLC

Service code 55

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

Other Commissions

$8,061

PREMIER PLAN CONSULTANTS1 year

Filed as: PREMIER PLAN CONSULTANTS INC

Service code 13

6215 FERRIS SQ STE 250 · SAN DIEGO, CA 92121

Contract Administrator

$1,904

SAN DIEGO PENSION CONSULTANTS2 years

Filed as: SAN DIEGO PENSION CONSULTANTS, INC.

Service code 13

Contract Administrator

$1,499

MORGAN STANLEY SMITH BARNEY2 years

Filed as: MORGAN STANLEY INSURANCE SERVICES I

Service code 55

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

Other Commissions

$137

SAN DIEGO PENSION CONSULTANTS1 year

Filed as: SAN DIEGO PENSION CONSULTANTS INC.

Service code 13

5628 COPLEY DRIVE · SAN DIEGO, CA 92111

Contract Administrator

STANCE, INC. 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

STANCE, 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