Retirement plan

CADENCE INTERNATIONAL 403 (B) RETIREMENT PLAN

Name: CADENCE INTERNATIONAL - CADENCE INTERNATIONAL 403 (B) RETIREMENT PLAN (2015) Form 5500
Creator: CADENCE INTERNATIONAL
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CADENCE INTERNATIONAL 403 (B) RETIREMENT PLAN, CADENCE INTERNATIONAL

CADENCE INTERNATIONALEIN 84-6027655Plan #001PY 2015

101 WEST JEFFERSON AVENUE - ENGLEWOOD, CO 80110303-762-1400cadence.orgLinkedIn201-500 employeesreligious institutions

Prospect flagsLow assets / participant

How to read this page

Total assets (EOY)

$1M

No prior year

Total participants

154

No prior year

Average account balance

$8,650

No prior year

Annual return

1.20%

No prior year

Benchmarks

See 1,412 peers

Peer group

Industry81 - Other Services (except Public Administration)

Plan typeDefined contribution

Participants100-249

Cohort1,412 peers

Snapshot2015

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

Analytics

Total assets (EOY)

Plan-year ending balance

$4.35M

Not enough data

1 years with asset history on file

Average account balance

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

$30K

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.

144

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.

58.8%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$262K

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

+14.57%

Not enough data

1 years with return on file

Admin fee / account holder

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

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
ALERUS FINANCIAL, N.A.1+ years Service code 15 · EIN 45-6062081	Recordkeeping	$11,594
SELECT MONEY MANAGEMENT, INC.1+ years Service code 27 · EIN 27-1789323	Advisory (Plan)	$8,933

Plan features & details

Pension benefit codes2E2J2G2L2S2R

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.
2L
Code section 403(b)(1) arrangement
Plan uses a Code section 403(b)(1) annuity contract as a funding vehicle.
2R
Participant-directed brokerage accounts
Participant-directed brokerage accounts provided as an investment option under the plan.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.

Opportunity flags

1 tripped

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

$21K

$159 / participant

Investment mgmt$9K43.5%
Other / not subdivided$12K56.5%

% of EOY assets

1.961%

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: CAPIN CROUSE LLP
Auditor EIN: 363990892
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$8,650

$41,854-79.3%

$73,835-88.3%

$52,331-83.5%

Participation rate

74.4%

66.2%+8.2pp

73.4%+1.0pp

68.1%+6.3pp

Annual return

1.20%

2.11%-0.9pp

2268.13%-2266.9pp

4.54%-3.3pp

Employer contribution / active EE

$1,920-100.0%

$2,788-100.0%

$1,882-100.0%

Participant deferral / active EE

$1,130

$2,498-54.8%

$3,583-68.5%

$3,022-62.6%

Admin fee / account holder

$170

$493-65.6%

$4,880-96.5%

$592-71.3%

Provider

Service type

Compensation

ALERUS FINANCIAL, N.A.1+ years

Service code 15 · EIN 45-6062081

Recordkeeping

$11,594

SELECT MONEY MANAGEMENT, INC.1+ years

Service code 27 · EIN 27-1789323

Advisory (Plan)

$8,933

CADENCE INTERNATIONAL 403 (B) RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CADENCE INTERNATIONAL 403 (B) RETIREMENT 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