Retirement plan

BOISE CO-OP 401K PLAN

Name: BOISE CONSUMER COOPERATIVE INC - BOISE CO-OP 401K PLAN (2016) Form 5500
Creator: BOISE CONSUMER COOPERATIVE INC
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, BOISE CO-OP 401K PLAN, BOISE CONSUMER COOPERATIVE INC

BOISE CONSUMER COOPERATIVE INCEIN 82-0327910Plan #001PY 2016

888 WEST FORT STREET - BOISE, ID 837025525208-472-4507boisecoop.comLinkedIn11-50 employeesinformation technology and services

Prospect flagsLow returnsLow participationLow participant contribution

How to read this page

Total assets (EOY)

$2.1M

No prior year

Total participants

141

No prior year

Average account balance

$23,530

No prior year

Annual return

0.83%

No prior year

Benchmarks

See 2,356 peers

Peer group

Industry44 - Retail Trade

Plan typeDefined contribution

Participants100-249

Cohort2,356 peers

Snapshot2016

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

Analytics

Total assets (EOY)

Plan-year ending balance

$4.27M

Not enough data

1 years with asset history on file

Average account balance

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

$39K

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.

110

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.

30.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$558K

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

+17.98%

Not enough data

1 years with return on file

Admin fee / account holder

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

$291

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
PENSIONMARK FINANCIAL GROUP LLC1+ years Filed as: PENSIONMARK FINANCIAL GROUP, LLC Service code 99	Other Fees	$10,847
PINNACLE PENSION SERVICES1+ years Service code 13 · EIN 82-0433443	Contract Administrator	$5,061
PENSIONMARK FINANCIAL GROUP LLC1+ years Service code 99 · EIN 61-1758632	Other Fees	$0

Plan features & details

Pension benefit codes2E2G2J2K3D

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

3 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$6K

$50 / participant

Contract admin$6K100.0%

% of EOY assets

0.298%

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: HARRIS & CO., PLLC
Auditor EIN: 264022510
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$23,530

$42,546-44.7%

$71,796-67.2%

$55,167-57.3%

Participation rate

59.8%

59.1%+0.7pp

69.1%-9.3pp

69.0%-9.1pp

Annual return

0.83%

12.36%-11.5pp

78.04%-77.2pp

169.23%-168.4pp

Employer contribution / active EE

$1,006

$803+25.2%

$1,924-47.7%

$1,963-48.8%

Participant deferral / active EE

$618

$2,064-70.1%

$2,794-77.9%

$3,054-79.8%

Admin fee / account holder

$70

$650-89.2%

$4,815-98.5%

$504-86.1%

Provider

Service type

Compensation

PENSIONMARK FINANCIAL GROUP LLC1+ years

Filed as: PENSIONMARK FINANCIAL GROUP, LLC

Service code 99

Other Fees

$10,847

PINNACLE PENSION SERVICES1+ years

Service code 13 · EIN 82-0433443

Contract Administrator

$5,061

PENSIONMARK FINANCIAL GROUP LLC1+ years

Service code 99 · EIN 61-1758632

Other Fees

BOISE CO-OP 401K PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

BOISE CO-OP 401K 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