Retirement plan

ROCKY MOUNTAIN DEVELOPMENT COUNCIL RETIREMENT PLAN AND TRUST

Name: ROCKY MOUNTAIN DEVELOPMENT COUNCIL, INC. - ROCKY MOUNTAIN DEVELOPMENT COUNCIL RETIREMENT PLAN AND TRUST (2018) Form 5500
Creator: ROCKY MOUNTAIN DEVELOPMENT COUNCIL, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, ROCKY MOUNTAIN DEVELOPMENT COUNCIL RETIREMENT PLAN AND TRUST, ROCKY MOUNTAIN DEVELOPMENT COUNCIL, INC.

ROCKY MOUNTAIN DEVELOPMENT COUNCIL, INC.EIN 81-0296458Plan #001PY 2018

PO BOX 1717 - HELENA, MT 596241717406-447-1680rmdc.netLinkedIn51-200 employeesnon-profit organization management

Prospect flagsNo flags tripped

How to read this page

Total assets (EOY)

$4.2M

+13.0% from 2017

Total participants

218

+6.3% from 2017

Average account balance

$24,577

+1.9% from 2017

Annual return

8.55%

-1.47 pp from 2017

Benchmarks

See 1,738 peers

Peer group

Industry81 - Other Services (except Public Administration)

Plan typeDefined contribution

Participants100-249

Cohort1,738 peers

Snapshot2018

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

Analytics

Total assets (EOY)

Plan-year ending balance

$4.34M

Not enough data

1 years with asset history on file

Average account balance

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

$28K

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.

153

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.

76.5%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$267K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$2K

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

+11.46%

Not enough data

1 years with return on file

Admin fee / account holder

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

$224

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
CETERA ADVISOR NETWORKS LLC1 year Filed as: CETERA ADVISOR NETWORKS Service code 63 200 N. PACIFIC COAST HIGHWAY · EL SEGUNDO, CA 92045	12b-1 Fees	$11,889
EMPLOYEE BENEFIT RESOURCES, INC.3+ years Service code 10 · EIN 45-3983343 828 GREAT NORTHERN BOULEVARD · HELENA, MT 59601	Accounting	$9,752
DOUGLAS WILSON & CO.3+ years Service code 10 · EIN 81-0446334 1000 1ST AVE. SOUTH · GREAT FALLS, MT 59401	Accounting	$7,480
AMERICAN FUNDS3+ years Filed as: AMERICAN FUNDS SERVICE CO. Service code 15 · EIN 95-6817943 P.O. BOX 6040 · INDIANAPOLIS, IN 462066040	Recordkeeping	$763

Plan features & details

Pension benefit codes2E3D2H2J2K3H2T2F

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).
2H
Partial participant-directed account plan
Participants have the opportunity to direct the investment of a portion 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.
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

0 tripped

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

Expense breakdown

Schedule H Part II

Admin total

$30K

$183 / participant

Investment mgmt$13K42.3%
Other / not subdivided$17K57.7%

% of EOY assets

0.707%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: DOUGLAS WILSON & CO.
Auditor EIN: 810446334
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$24,577

$44,873-45.2%

$79,467-69.1%

$56,289-56.3%

Participation rate

71.8%

68.7%+3.0pp

73.3%-1.6pp

69.9%+1.9pp

Annual return

8.55%

0.81%+7.7pp

718.30%-709.7pp

-9.96%+18.5pp

Employer contribution / active EE

$628

$2,140-70.6%

$2,800-77.6%

$2,111-70.2%

Participant deferral / active EE

$917

$2,746-66.6%

$3,704-75.2%

$3,350-72.6%

Admin fee / account holder

$174

$418-58.5%

$5,104-96.6%

$521-66.7%

Provider

Service type

Compensation

CETERA ADVISOR NETWORKS LLC1 year

Filed as: CETERA ADVISOR NETWORKS

Service code 63

200 N. PACIFIC COAST HIGHWAY · EL SEGUNDO, CA 92045

12b-1 Fees

$11,889

EMPLOYEE BENEFIT RESOURCES, INC.3+ years

Service code 10 · EIN 45-3983343

828 GREAT NORTHERN BOULEVARD · HELENA, MT 59601

Accounting

$9,752

DOUGLAS WILSON & CO.3+ years

Service code 10 · EIN 81-0446334

1000 1ST AVE. SOUTH · GREAT FALLS, MT 59401

Accounting

$7,480

AMERICAN FUNDS3+ years

Filed as: AMERICAN FUNDS SERVICE CO.

Service code 15 · EIN 95-6817943

P.O. BOX 6040 · INDIANAPOLIS, IN 462066040

Recordkeeping

$763

ROCKY MOUNTAIN DEVELOPMENT COUNCIL RETIREMENT PLAN AND TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

ROCKY MOUNTAIN DEVELOPMENT COUNCIL RETIREMENT PLAN AND TRUST

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