Retirement plan

PUEBLO OF LAGUNA COMMERCIAL ENTERPRISES 401(K) PROFIT SHARING PLAN AND TRUST

Name: PUEBLO OF LAGUNA - PUEBLO OF LAGUNA COMMERCIAL ENTERPRISES 401(K) PROFIT SHARING PLAN AND TRUST (2015) Form 5500
Creator: PUEBLO OF LAGUNA
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, PUEBLO OF LAGUNA COMMERCIAL ENTERPRISES 401(K) PROFIT SHARING PLAN AND TRUST, PUEBLO OF LAGUNA

PUEBLO OF LAGUNAEIN 85-0138325Plan #003PY 2015

P.O. BOX 194 - LAGUNA, NM 87026505-552-6654

Prospect flagsLow returnsLow participationLow assets / participantFailed to transmit contributions

Top hat statement on fileNQDC

Filed June 26, 2013 (most recent of 2 filings on file)

This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.

Open the filing PDF

How to read this page

Total assets (EOY)

$12.3M

No prior year

Total participants

1,144

No prior year

Average account balance

$15,823

No prior year

Annual return

-2.88%

No prior year

Benchmarks

See 19,445 peers

Peer group

Industryany (size+type match)

Plan typeDefined contribution

Participants250-999

Cohort19,445 peers

Snapshot2015

See peer percentile detail. $4.99 for your first month.

Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.

Start for $4.99 See plans

Analytics

Total assets (EOY)

Plan-year ending balance

$25.53M

Not enough data

1 years with asset history on file

Average account balance

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

$81K

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.

317

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.

0.0%

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

$3K

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

+12.66%

Not enough data

1 years with return on file

Admin fee / account holder

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

$418

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

See the 10-year trajectory. $4.99 for your first month.

Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.

Start for $4.99 See plans

Service providers

Top 3 by compensation

Provider	Service type	Compensation
BOKF, NA1+ years Service code 19 ONE WILLIAMS CENTER TOWER · TULSA, OK 74172	Securities Custodian	$61,229
ERISA SERVICES, INC.1+ years Filed as: ERISA COMPLIANCE ASSOCIATES Service code 16 · EIN 33-0802604 3131 CAMINO DEL RIO NORTH, SUITE 16 · SAN DIEGO, CA 921085746	Consulting	$17,177
LOFTIS & LOVATO GROUP1+ years Filed as: LOFTIS GROUP LLC Service code 10 · EIN 84-3463346	Accounting	$13,960

Plan features & details

Pension benefit codes2E2F2G2J2K2T

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.

Opportunity flags

4 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
ComplianceFailed to transmit contributions
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).

Expense breakdown

Schedule H Part II

Admin total

$92K

$100 / participant

Trustee / custodial$92K100.0%

% of EOY assets

0.750%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

The auditor signed off without reservation. This is the cleanest opinion.

Auditor firm: LOFTIS & LOVATO GROUP
Auditor EIN: 843463346
Audit fees: (not subdivided)
Opinion code: Unqualified

Look up a plan sponsor by EIN. Free Form 5500 search. No signup.

Metric

This plan

Peer set

Industry

Size

Avg account balance

$15,823

$55,191-71.3%

$40,757-61.2%

$55,191-71.3%

Participation rate

60.6%

69.2%-8.6pp

79.3%-18.7pp

69.2%-8.6pp

Annual return

-2.88%

10.78%-13.7pp

-0.50%-2.4pp

10.78%-13.7pp

Employer contribution / active EE

$723

$1,899-61.9%

$3,004-75.9%

$1,899-61.9%

Participant deferral / active EE

$978

$3,046-67.9%

$3,485-71.9%

$3,046-67.9%

Admin fee / account holder

$119

$91+30.7%

$4,272-97.2%

$91+30.7%

Provider

Service type

Compensation

BOKF, NA1+ years

Service code 19

ONE WILLIAMS CENTER TOWER · TULSA, OK 74172

Securities Custodian

$61,229

ERISA SERVICES, INC.1+ years

Filed as: ERISA COMPLIANCE ASSOCIATES

Service code 16 · EIN 33-0802604

3131 CAMINO DEL RIO NORTH, SUITE 16 · SAN DIEGO, CA 921085746

Consulting

$17,177

LOFTIS & LOVATO GROUP1+ years

Filed as: LOFTIS GROUP LLC

Service code 10 · EIN 84-3463346

Accounting

$13,960

PUEBLO OF LAGUNA COMMERCIAL ENTERPRISES 401(K) PROFIT SHARING PLAN AND TRUST

Top hat statement on fileNQDC

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

PUEBLO OF LAGUNA COMMERCIAL ENTERPRISES 401(K) PROFIT SHARING PLAN AND TRUST

Top hat statement on fileNQDC

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