Retirement plan

CENTRAL PLUMBING AND HEATING, INC 401K PROFIT SHARING PLAN

Name: CENTRAL PLUMBING AND HEATING CO INC - CENTRAL PLUMBING AND HEATING, INC 401K PROFIT SHARING PLAN (2015) Form 5500
Creator: CENTRAL PLUMBING AND HEATING CO INC
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CENTRAL PLUMBING AND HEATING, INC 401K PROFIT SHARING PLAN, CENTRAL PLUMBING AND HEATING CO INC

CENTRAL PLUMBING AND HEATING CO INCEIN 81-0285765Plan #003PY 2015

3701 RIVER DRIVE NORTH - GREAT FALLS, MT 59405406-761-2557

Prospect flagsNo flags tripped

How to read this page

Total assets (EOY)

$5.5M

No prior year

Total participants

130

No prior year

Average account balance

$45,241

No prior year

Annual return

-0.43%

No prior year

Benchmarks

See 1,997 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants100-249

Cohort1,997 peers

Snapshot2015

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

Analytics

Total assets (EOY)

Plan-year ending balance

$21.26M

Not enough data

1 years with asset history on file

Average account balance

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

$98K

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.

217

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.

96.4%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$2.40M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$15K

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

+13.06%

Not enough data

1 years with return on file

Admin fee / account holder

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

$494

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 3 by compensation

Provider	Service type	Compensation
GREAT-WEST LIFE & ANNUITY INSURANCE1+ years Service code 64 · EIN 84-0467907 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Recordkeeping Fees	$5,990
JCCS, PC DBA JCCS BENEFIT CONSULTIN1+ years Filed as: JCCS, PC DBA JCCS BENEFIT Service code 13 · EIN 81-0348775 501 PARK DR SOUTH · GREAT FALLS, MT 59405	Contract Administrator	$2,100
RBC WEALTH MANAGEMENT1+ years Filed as: RBC CAPITAL MARKETS LLC Service code 55 · EIN 41-1416330 60 S 6TH ST COMMISSIONS ACCTG · MINNEAPOLIS, MN 55402	Other Commissions	$0

Plan features & details

Pension benefit codes2E2J2K3D2G

Plan features

2E
Profit-sharing
Profit-sharing plan.
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

0 tripped

No flags tripped for this filing year. This plan looks clean.

Expense breakdown

Schedule H Part II

Admin total

$5K

$44 / participant

Other / not subdivided$5K100.0%

% of EOY assets

0.084%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Qualified opinion

Opinion is qualified - a specific issue limited the scope or accuracy of the audit.

Auditor firm: WIPFLI LLP
Auditor EIN: 390758449
Audit fees: (not subdivided)
Opinion code: Qualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$45,241

$50,464-10.4%

$75,784-40.3%

$52,331-13.5%

Participation rate

91.3%

66.8%+24.6pp

75.8%+15.5pp

68.1%+23.2pp

Annual return

-0.43%

1.03%-1.5pp

9.68%-10.1pp

4.54%-5.0pp

Employer contribution / active EE

$6,038

$1,988+203.7%

$3,323+81.7%

$1,882+220.9%

Participant deferral / active EE

$1,223

$2,570-52.4%

$3,652-66.5%

$3,022-59.5%

Admin fee / account holder

$38

$1,103-96.6%

$5,300-99.3%

$592-93.6%

Provider

Service type

Compensation

GREAT-WEST LIFE & ANNUITY INSURANCE1+ years

Service code 64 · EIN 84-0467907

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Recordkeeping Fees

$5,990

JCCS, PC DBA JCCS BENEFIT CONSULTIN1+ years

Filed as: JCCS, PC DBA JCCS BENEFIT

Service code 13 · EIN 81-0348775

501 PARK DR SOUTH · GREAT FALLS, MT 59405

Contract Administrator

$2,100

RBC WEALTH MANAGEMENT1+ years

Filed as: RBC CAPITAL MARKETS LLC

Service code 55 · EIN 41-1416330

60 S 6TH ST COMMISSIONS ACCTG · MINNEAPOLIS, MN 55402

Other Commissions

CENTRAL PLUMBING AND HEATING, INC 401K PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CENTRAL PLUMBING AND HEATING, INC 401K 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