Retirement plan

PIONEER TITLE COMPANY 401(K) PLAN

Name: PIONEER HOLDING, INC. - PIONEER TITLE COMPANY 401(K) PLAN (2024) Form 5500
Creator: PIONEER HOLDING, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, PIONEER TITLE COMPANY 401(K) PLAN, PIONEER HOLDING, INC.

PIONEER HOLDING, INC.EIN 82-0347110Plan #002PY 2024

8151 W. RIFLEMAN ST. - BOISE, ID 83704208-373-3765

Prospect flagsLow returnsHigh fees

How to read this page

Total assets (EOY)

$38.8M

+9.8% from 2023

Total participants

292

-6.1% from 2023

Average account balance

$150,430

+16.6% from 2023

Annual return

11.13%

-4.34 pp from 2023

Benchmarks

See 665 peers

Peer group

Industry53 - Real Estate and Rental and Leasing

Plan typeDefined contribution

Participants250-999

Cohort665 peers

Snapshot2024

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

Analytics

Total assets (EOY)

Plan-year ending balance

$38.81M

Not enough data

1 years with asset history on file

Average account balance

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

$150K

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.

258

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.

86.8%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$2.36M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$9K

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

+11.13%

Not enough data

1 years with return on file

Admin fee / account holder

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

$455

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
RBC WEALTH MANAGEMENT4 years Service code 99 · EIN 41-1416330	Other Fees	$26,749
EIDE BAILLY LLP4 years Filed as: EIDE BAILLY, LLP Service code 10 · EIN 45-0250958	Accounting	$14,913
MORGAN STANLEY SMITH BARNEY1 year Filed as: MORGAN STANLEY Service code 99 · EIN 82-0347110	Other Fees	$14,630
PINNACLE PENSION SERVICES4 years Service code 49 · EIN 82-0433443 3101 W MAIN ST · BOISE, ID 83702	Other Services	$14,581

Plan features & details

Pension benefit codes2E2F2G2J2K2T3D3H

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).
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.
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

2 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.

Expense breakdown

Schedule H Part II

Admin total

$117K

$455 / participant

Contract admin$117K100.0%

% of EOY assets

0.303%

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: EIDE BAILLY LLP
Auditor EIN: 450250958
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$150,430

$62,686+140.0%

$178,505-15.7%

$77,762+93.5%

Participation rate

86.8%

66.9%+19.9pp

77.1%+9.7pp

70.6%+16.2pp

Annual return

11.13%

16.16%-5.0pp

27.16%-16.0pp

31.27%-20.1pp

Employer contribution / active EE

$3,460

$1,914+80.8%

$3,955-12.5%

$2,728+26.8%

Participant deferral / active EE

$5,693

$4,224+34.8%

$6,280-9.4%

$4,651+22.4%

Admin fee / account holder

$455

$386+17.9%

$10,428-95.6%

$433+5.1%

Provider

Service type

Compensation

RBC WEALTH MANAGEMENT4 years

Service code 99 · EIN 41-1416330

Other Fees

$26,749

EIDE BAILLY LLP4 years

Filed as: EIDE BAILLY, LLP

Service code 10 · EIN 45-0250958

Accounting

$14,913

MORGAN STANLEY SMITH BARNEY1 year

Filed as: MORGAN STANLEY

Service code 99 · EIN 82-0347110

Other Fees

$14,630

PINNACLE PENSION SERVICES4 years

Service code 49 · EIN 82-0433443

3101 W MAIN ST · BOISE, ID 83702

Other Services

$14,581

PIONEER TITLE COMPANY 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

PIONEER TITLE COMPANY 401(K) 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