Retirement plan

A & M (2015) LLC 401(K) PLAN

Name: A & M (2015) LLC - A & M (2015) LLC 401(K) PLAN (2019) Form 5500
Creator: A & M (2015) LLC
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, A & M (2015) LLC 401(K) PLAN, A & M (2015) LLC

A & M (2015) LLCEIN 80-0922050Plan #002PY 2019

5901 WEST SIDE AVENUE - NORTH BERGEN, NJ 07047855-649-6142

Prospect flagsLow employer contributionLow participant contributionFailed to transmit contributions

How to read this page

Total assets (EOY)

$10.2M

+12.1% from 2018

Total participants

494

+11.5% from 2018

Average account balance

$22,153

-0.0% from 2018

Annual return

21.83%

+27.83 pp from 2018

Benchmarks

See 1,312 peers

Peer group

Industry44 - Retail Trade

Plan typeDefined contribution

Participants250-999

Cohort1,312 peers

Snapshot2019

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

Analytics

Total assets (EOY)

Plan-year ending balance

$11.41M

Not enough data

1 years with asset history on file

Average account balance

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

$8K

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.

1,349

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.

34.6%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$388K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$494

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

+12.11%

Not enough data

1 years with return on file

Admin fee / account holder

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

$96

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 4 by compensation

Provider	Service type	Compensation
SENTINEL PENSION ADVISORS5+ years Filed as: SENTINEL BENEFITS GROUP LLC Service code 15 · EIN 20-5916766	Recordkeeping	$54,384
SENTINEL PENSION ADVISORS5+ years Service code 26 · EIN 04-3422848	Advisory (Participants)	$27,639
CARON & BLETZER, PLLC4 years Service code 10 · EIN 04-3499945	Accounting	$10,000
NATIONAL FINANCIAL SERVICES1 year Filed as: NATIONAL FINANCIAL SERVICES LLC Service code 19 · EIN 04-3523567	Securities Custodian	$7,598

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 participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
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

$101K

$385 / participant

Investment mgmt$28K27.5%
Other / not subdivided$73K72.5%

% of EOY assets

0.987%

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: CARON & BLETZER, PLLC
Auditor EIN: 043499945
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$22,153

$40,174-44.9%

$84,023-73.6%

$67,582-67.2%

Participation rate

87.0%

62.7%+24.3pp

69.0%+18.0pp

71.3%+15.7pp

Annual return

21.83%

25.82%-4.0pp

71.32%-49.5pp

378.57%-356.7pp

Employer contribution / active EE

$808-100.0%

$1,984-100.0%

$2,148-100.0%

Participant deferral / active EE

$907

$2,301-60.6%

$3,239-72.0%

$3,539-74.4%

Admin fee / account holder

$219

$128+70.4%

$6,102-96.4%

$142+53.7%

Provider

Service type

Compensation

SENTINEL PENSION ADVISORS5+ years

Filed as: SENTINEL BENEFITS GROUP LLC

Service code 15 · EIN 20-5916766

Recordkeeping

$54,384

SENTINEL PENSION ADVISORS5+ years

Service code 26 · EIN 04-3422848

Advisory (Participants)

$27,639

CARON & BLETZER, PLLC4 years

Service code 10 · EIN 04-3499945

Accounting

$10,000

NATIONAL FINANCIAL SERVICES1 year

Filed as: NATIONAL FINANCIAL SERVICES LLC

Service code 19 · EIN 04-3523567

Securities Custodian

$7,598

A & M (2015) LLC 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

A & M (2015) LLC 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