Retirement plan

KDCPR RETIREMENT PLAN & TRUST

Name: KDCPR, LLC - KDCPR RETIREMENT PLAN & TRUST (2022) Form 5500
Creator: KDCPR, LLC
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, KDCPR RETIREMENT PLAN & TRUST, KDCPR, LLC

KDCPR, LLCEIN 81-2003470Plan #004PY 2022

6200 SARATOGA BLVD - CORPUS CHRISTI, TX 78414361-271-1211

Prospect flagsLow returnsHigh feesRecently reached 100 employees

How to read this page

Total assets (EOY)

$6.1M

-17.0% from 2021

Total participants

106

-38.4% from 2021

Average account balance

$57,499

-28.0% from 2021

Annual return

-18.59%

-32.20 pp from 2021

Benchmarks

See 5,354 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants100-249

Cohort5,354 peers

Snapshot2022

See peer percentile detail. $4.99 for your first month.

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Analytics

Total assets (EOY)

Plan-year ending balance

$8.07M

Not enough data

1 years with asset history on file

Average account balance

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

$67K

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.

120

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.

65.3%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$565K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$4K

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

+11.63%

Not enough data

1 years with return on file

Admin fee / account holder

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

$1137

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

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Service providers

Top 4 by compensation

Provider	Service type	Compensation
AMERIPRISE FINANCIAL SERVICES INC1 year Filed as: AMERIPRISE FINANCIAL Service code 27 · EIN 41-0973005 5221 AMERIPRISE FINANCIAL CENTER · MINNEAPOLIS, MN 55474	Advisory (Plan)	$6,114
ADMIN3161 year Filed as: ADMIN 316 Service code 27 · EIN 81-0759783 4639 CORONA DR, STE 26 · CORPUS CHRISTI, TX 78411	Advisory (Plan)	$842
STRATEGIC WEALTH MANAGEMENT1 year Service code 27 · EIN 83-2425992 4639 CORONA DR, STE 26 · CORPUS CHRISTI, TX 78411	Advisory (Plan)	$514
BENEFITEXCEL1 year Filed as: BENEFITEXCEL ADVISORS Service code 27 · EIN 83-2184448 4639 CORONA DR, STE 26 · CORPUS CHRISTI, TX 78411	Advisory (Plan)	$395

Plan features & details

Pension benefit codes2A2E2J2K2F2G2R3D

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.
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.
2R
Participant-directed brokerage accounts
Participant-directed brokerage accounts provided as an investment option under the plan.
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

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
InformationalRecently reached 100 employees
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.

Expense breakdown

Schedule H Part II

Admin total

$64K

$606 / participant

Investment mgmt$64K100.0%

% of EOY assets

1.055%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

The auditor signed off without reservation. This is the cleanest opinion.

Auditor firm: PARK FOWLER & CO., PLLC
Auditor EIN: 742900323
Audit fees: (not subdivided)
Opinion code: Unqualified

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$57,499

$65,061-11.6%

$143,757-60.0%

$66,914-14.1%

Participation rate

100.0%

65.2%+34.8pp

80.3%+19.7pp

69.8%+30.2pp

Annual return

-18.59%

-11.14%-7.5pp

-0.04%-18.5pp

1.58%-20.2pp

Employer contribution / active EE

$625

$2,361-73.5%

$4,951-87.4%

$2,544-75.4%

Participant deferral / active EE

$4,222

$2,919+44.7%

$5,637-25.1%

$4,237-0.3%

Admin fee / account holder

$606

$502+20.8%

$14,673-95.9%

$593+2.2%

Provider

Service type

Compensation

AMERIPRISE FINANCIAL SERVICES INC1 year

Filed as: AMERIPRISE FINANCIAL

Service code 27 · EIN 41-0973005

5221 AMERIPRISE FINANCIAL CENTER · MINNEAPOLIS, MN 55474

Advisory (Plan)

$6,114

ADMIN3161 year

Filed as: ADMIN 316

Service code 27 · EIN 81-0759783

4639 CORONA DR, STE 26 · CORPUS CHRISTI, TX 78411

Advisory (Plan)

$842

STRATEGIC WEALTH MANAGEMENT1 year

Service code 27 · EIN 83-2425992

4639 CORONA DR, STE 26 · CORPUS CHRISTI, TX 78411

Advisory (Plan)

$514

BENEFITEXCEL1 year

Filed as: BENEFITEXCEL ADVISORS

Service code 27 · EIN 83-2184448

4639 CORONA DR, STE 26 · CORPUS CHRISTI, TX 78411

Advisory (Plan)

$395

KDCPR RETIREMENT PLAN & TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

KDCPR RETIREMENT PLAN & 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