Retirement plan

WESTERN DISTRIBUTING COMPANY EMPLOYEES PROFIT SHARING AND TRUST

Name: WESTERN DISTRIBUTING COMPANY - WESTERN DISTRIBUTING COMPANY EMPLOYEES PROFIT SHARING AND TRUST (2015) Form 5500
Creator: WESTERN DISTRIBUTING COMPANY
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, WESTERN DISTRIBUTING COMPANY EMPLOYEES PROFIT SHARING AND TRUST, WESTERN DISTRIBUTING COMPANY

WESTERN DISTRIBUTING COMPANYEIN 84-0376087Plan #001PY 2015

4955 BANNOCK STREET - DENVER, CO 80217303-388-5755LinkedIn1-10 employeestransportation/trucking/railroad

Prospect flagsLow returnsLow assets / participant

How to read this page

Total assets (EOY)

$12.2M

No prior year

Total participants

685

No prior year

Average account balance

$17,892

No prior year

Annual return

-12.41%

No prior year

Benchmarks

See 1,096 peers

Peer group

Industry42 - Wholesale Trade

Plan typeDefined contribution

Participants250-999

Cohort1,096 peers

Snapshot2015

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

Analytics

Total assets (EOY)

Plan-year ending balance

$17.77M

Not enough data

1 years with asset history on file

Average account balance

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

$43K

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.

410

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.

89.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.26M

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

+11.51%

Not enough data

1 years with return on file

Admin fee / account holder

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

$188

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 2 by compensation

Provider	Service type	Compensation
AMERICAN FUNDS1+ years Filed as: DELLA PAROLA CAPITAL RESEAECH LLC Service code 27 WEST OAK DRIVE 7TH FLOOR · FORT COLLINS, CO 80521	Advisory (Plan)	$128,213
ALERUS FINANCIAL, N.A.1+ years Service code 15 · EIN 45-6062081	Recordkeeping	$51,311

Plan features & details

Pension benefit codes2E2F2J2K3D2S

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).
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.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
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

2 tripped

OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
OpportunityLow assets / participant
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.

Expense breakdown

Schedule H Part II

Admin total

$180K

$501 / participant

Investment mgmt$128K71.4%
Contract admin$51K28.6%

% of EOY assets

1.473%

all-in expense ratio

Categories reported

2 / 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: EKS&H LLLP
Auditor EIN: 461497033
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$17,892

$57,096-68.7%

$94,229-81.0%

$55,191-67.6%

Participation rate

98.9%

75.7%+23.2pp

78.8%+20.1pp

69.2%+29.7pp

Annual return

-12.41%

159.65%-172.1pp

10.68%-23.1pp

10.78%-23.2pp

Employer contribution / active EE

$554

$1,708-67.5%

$3,587-84.5%

$1,899-70.8%

Participant deferral / active EE

$2,592

$3,165-18.1%

$4,320-40.0%

$3,046-14.9%

Admin fee / account holder

$264

$89+195.4%

$6,269-95.8%

$91+190.4%

Provider

Service type

Compensation

AMERICAN FUNDS1+ years

Filed as: DELLA PAROLA CAPITAL RESEAECH LLC

Service code 27

WEST OAK DRIVE 7TH FLOOR · FORT COLLINS, CO 80521

Advisory (Plan)

$128,213

ALERUS FINANCIAL, N.A.1+ years

Service code 15 · EIN 45-6062081

Recordkeeping

$51,311

WESTERN DISTRIBUTING COMPANY EMPLOYEES PROFIT SHARING AND TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

WESTERN DISTRIBUTING COMPANY EMPLOYEES PROFIT SHARING AND 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