Retirement plan

NORTHSTAR MEDICAL MANAGEMENT, INC. 401(K) PROFIT-SHARING PLAN

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

NORTHSTAR MEDICAL MANAGEMENT, INC.EIN 81-0538539Plan #002PY 2017

700 WEST KENT - MISSOULA, MT 598016772406-728-3505LinkedIn51-200 employeesindividual & family services

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$19.6M

+10.6% from 2016

Total participants

154

-2.5% from 2016

Average account balance

$127,538

No prior year

Annual return

14.22%

+8.03 pp from 2016

Benchmarks

See 5,167 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants100-249

Cohort5,167 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$28.05M

Not enough data

1 years with asset history on file

Average account balance

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

$119K

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.

236

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.

95.9%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$2.09M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$11K

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

+14.39%

Not enough data

1 years with return on file

Admin fee / account holder

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

$402

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
LONG ISLAND EMPLOYEE BENEFITS GROUP3+ years Filed as: S. G. LONG AND COMPANY Service code 26 283 W FRONT STREET · MISSOULA, MT 59802	Advisory (Participants)	$25,527
MERRILL LYNCH PIERCE FENNER & SMITH3+ years Filed as: MERRILL LYNCH Service code 19 · EIN 13-5674085	Securities Custodian	$20,631
UBS FINANCIAL SERVICES INC3+ years Filed as: UBS FINANCIAL SERVICES Service code 26 100 RAILROAD STREET W · MISSOULA, MT 59802	Advisory (Participants)	$18,195
RBC WEALTH MANAGEMENT1 year Service code 26 1918 8TH AVE · SEATTLE, WA 981011214	Advisory (Participants)	$7,014

Plan features & details

Pension benefit codes2A2E2F2G2J2R3D3H2T

Plan features

2A
Age/service weighted or new comparability plan
Age/service weighted plan where allocations are based on age service or age and service; or new comparability or similar plan where allocations are based on participant classifications consisting entirely or predominantly of highly compensated employees or the plan provides an additional allocation rate on compensation above a specified threshold that exceeds the permitted disparity limits of Code section 401(l).
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.
2R
Participant-directed brokerage accounts
Participant-directed brokerage accounts provided as an investment option under the plan.
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

1 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)

Expense breakdown

Schedule H Part II

Admin total

$80K

$591 / participant

Investment mgmt$79K99.6%
Other / not subdivided$3250.4%

% of EOY assets

0.406%

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

Metric

This plan

Peer set

Industry

Size

Avg account balance

$127,538

$55,453+130.0%

$170,435-25.2%

$62,293+104.7%

Participation rate

100.0%

66.4%+33.6pp

83.6%+16.4pp

69.5%+30.5pp

Annual return

14.22%

21.38%-7.2pp

205.94%-191.7pp

28.90%-14.7pp

Employer contribution / active EE

$6,360

$2,164+194.0%

$5,432+17.1%

$2,042+211.4%

Participant deferral / active EE

$3,505

$2,303+52.2%

$4,939-29.0%

$3,169+10.6%

Admin fee / account holder

$518

$455+13.8%

$13,881-96.3%

$479+8.0%

Provider

Service type

Compensation

LONG ISLAND EMPLOYEE BENEFITS GROUP3+ years

Filed as: S. G. LONG AND COMPANY

Service code 26

283 W FRONT STREET · MISSOULA, MT 59802

Advisory (Participants)

$25,527

MERRILL LYNCH PIERCE FENNER & SMITH3+ years

Filed as: MERRILL LYNCH

Service code 19 · EIN 13-5674085

Securities Custodian

$20,631

UBS FINANCIAL SERVICES INC3+ years

Filed as: UBS FINANCIAL SERVICES

Service code 26

100 RAILROAD STREET W · MISSOULA, MT 59802

Advisory (Participants)

$18,195

RBC WEALTH MANAGEMENT1 year

Service code 26

1918 8TH AVE · SEATTLE, WA 981011214

Advisory (Participants)

$7,014

NORTHSTAR MEDICAL MANAGEMENT, INC. 401(K) PROFIT-SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

NORTHSTAR MEDICAL MANAGEMENT, INC. 401(K) 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