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 (2017) 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 2017

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

Prospect flagsCorrective distributions

How to read this page

Total assets (EOY)

$6.8M

+17.5% from 2016

Total participants

183

+2.2% from 2016

Average account balance

$38,775

+9.5% from 2016

Annual return

18.87%

+13.21 pp from 2016

Benchmarks

See 14,318 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants25-99

Cohort14,318 peers

Snapshot2017

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 4 by compensation

Provider	Service type	Compensation
RBC WEALTH MANAGEMENT3+ years Filed as: RBC CAPITAL MARKETS LLC Service code 55 · EIN 41-1416330 60 S 6TH ST COMMISSIONS ACCTG · MINNEAPOLIS, MN 55402	Other Commissions	$30,836
GREAT-WEST LIFE & ANNUITY INSURANCE3+ years Service code 64 · EIN 84-0467907 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Recordkeeping Fees	$8,142
JCCS, PC DBA JCCS BENEFIT CONSULTIN2 years Filed as: JCCS PC DBA JCCS BENEFIT CONSULTING Service code 13	Contract Administrator	$6,254
JCCS, PC DBA JCCS BENEFIT CONSULTIN3+ years Filed as: JCCS, PC DBA JCCS BENEFIT Service code 13 · EIN 81-0348775 501 PARK DR SOUTH · GREAT FALLS, MT 59405	Contract Administrator	$3,225

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

1 tripped

ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$22K

$252 / participant

Other / not subdivided$22K100.0%

% of EOY assets

0.329%

all-in expense ratio

Categories reported

0 / 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: WIPFLI LLP
Auditor EIN: 390758449
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$38,775

$63,346-38.8%

$92,240-58.0%

$70,126-44.7%

Participation rate

92.1%

68.7%+23.5pp

76.5%+15.7pp

69.5%+22.6pp

Annual return

18.87%

530.19%-511.3pp

176.29%-157.4pp

73.15%-54.3pp

Employer contribution / active EE

$4,413

$2,471+78.6%

$3,680+19.9%

$2,343+88.4%

Participant deferral / active EE

$2,370

$2,854-17.0%

$3,897-39.2%

$3,332-28.9%

Admin fee / account holder

$127

$3,841-96.7%

$5,194-97.5%

$4,645-97.3%

Provider

Service type

Compensation

RBC WEALTH MANAGEMENT3+ years

Filed as: RBC CAPITAL MARKETS LLC

Service code 55 · EIN 41-1416330

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

Other Commissions

$30,836

GREAT-WEST LIFE & ANNUITY INSURANCE3+ years

Service code 64 · EIN 84-0467907

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Recordkeeping Fees

$8,142

JCCS, PC DBA JCCS BENEFIT CONSULTIN2 years

Filed as: JCCS PC DBA JCCS BENEFIT CONSULTING

Service code 13

Contract Administrator

$6,254

JCCS, PC DBA JCCS BENEFIT CONSULTIN3+ years

Filed as: JCCS, PC DBA JCCS BENEFIT

Service code 13 · EIN 81-0348775

501 PARK DR SOUTH · GREAT FALLS, MT 59405

Contract Administrator

$3,225

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