Retirement plan

T R TOPPERS, INC. 401(K) PROFIT SHARING PLAN

Name: T R TOPPERS, INC. - T R TOPPERS, INC. 401(K) PROFIT SHARING PLAN (2024) Form 5500
Creator: T R TOPPERS, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, T R TOPPERS, INC. 401(K) PROFIT SHARING PLAN, T R TOPPERS, INC.

T R TOPPERS, INC.EIN 82-0467222Plan #001PY 2024

P.O. BOX 6308, 1161 W. RIVER ST., SUITE 260 - BOISE, ID 837076308208-336-7162

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$13.6M

+17.5% from 2023

Total participants

150

+7.1% from 2023

Average account balance

$90,556

+9.6% from 2023

Annual return

14.47%

-0.31 pp from 2023

Benchmarks

See 940 peers

Peer group

Industry31 - Manufacturing

Plan typeDefined contribution

Participants100-249

Cohort940 peers

Snapshot2024

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

Analytics

Total assets (EOY)

Plan-year ending balance

$13.58M

Not enough data

1 years with asset history on file

Average account balance

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

$91K

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.

150

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.

100.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$782K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$6K

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

+14.47%

Not enough data

1 years with return on file

Admin fee / account holder

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

$482

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
PIMCO FUNDS1 year Filed as: MOUNTAIN PACIFIC INVESTMENT ADVISER Service code 28 · EIN 82-0329951 877 W MAIN STREET, SUITE 704 · BOISE, ID 83702	Investment Management	$50,862
PACIFIC VALUE, LLC1 year Service code 28 · EIN 26-2312382 101 S CAPITOL BLVD, SUITE 502 · BOISE, ID 83702	Investment Management	$16,104
PINNACLE PENSION SERVICES1 year Filed as: PINNACLE PENSION SERVICES INC Service code 15 · EIN 82-0433443 3101 W MAIN STREET, SUITE 100 · BOISE, ID 83702	Recordkeeping	$2,350
GREAT-WEST LIFE & ANNUITY INSURANCE1 year Filed as: EMPOWER ANNUITY INS CO OF AMERICA Service code 64 · EIN 84-0467907 8515 E ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Recordkeeping Fees	$1,026

Plan features & details

Pension benefit codes2A2E2H2J2T3D

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.
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.
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.

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

$72K

$588 / participant

Recordkeeping$2K2.7%
Investment mgmt$67K92.6%
Contract admin$2K3.2%
Other / not subdivided$1K1.5%

% of EOY assets

0.533%

all-in expense ratio

Categories reported

3 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: SORREN CPAS, P.C.
Auditor EIN: 990658768
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$90,556

$62,166+45.7%

$81,353+11.3%

$74,459+21.6%

Participation rate

100.0%

64.1%+35.9pp

69.5%+30.5pp

67.2%+32.8pp

Annual return

14.47%

16.50%-2.0pp

24.82%-10.4pp

1369.70%-1355.2pp

Employer contribution / active EE

$4,975

$1,881+164.5%

$2,464+101.9%

$2,626+89.5%

Participant deferral / active EE

$1,386

$3,223-57.0%

$3,885-64.3%

$4,350-68.1%

Admin fee / account holder

$482

$1,925-74.9%

$5,766-91.6%

$1,945-75.2%

Provider

Service type

Compensation

PIMCO FUNDS1 year

Filed as: MOUNTAIN PACIFIC INVESTMENT ADVISER

Service code 28 · EIN 82-0329951

877 W MAIN STREET, SUITE 704 · BOISE, ID 83702

Investment Management

$50,862

PACIFIC VALUE, LLC1 year

Service code 28 · EIN 26-2312382

101 S CAPITOL BLVD, SUITE 502 · BOISE, ID 83702

Investment Management

$16,104

PINNACLE PENSION SERVICES1 year

Filed as: PINNACLE PENSION SERVICES INC

Service code 15 · EIN 82-0433443

3101 W MAIN STREET, SUITE 100 · BOISE, ID 83702

Recordkeeping

$2,350

GREAT-WEST LIFE & ANNUITY INSURANCE1 year

Filed as: EMPOWER ANNUITY INS CO OF AMERICA

Service code 64 · EIN 84-0467907

8515 E ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Recordkeeping Fees

$1,026

T R TOPPERS, INC. 401(K) PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

T R TOPPERS, 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