Retirement plan

GARDNER ZEMKE 401(K) & RETIREMENT PLAN

Name: GARDNER ZEMKE COMPANY - GARDNER ZEMKE 401(K) & RETIREMENT PLAN (2016) Form 5500
Creator: GARDNER ZEMKE COMPANY
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, GARDNER ZEMKE 401(K) & RETIREMENT PLAN, GARDNER ZEMKE COMPANY

GARDNER ZEMKE COMPANYEIN 85-0171403Plan #001PY 2016

6821 ACADEMY PARKWAY W NE - ALBUQUERQUE, NM 87109505-881-0555gardnerzemke.comLinkedIn1-10 employees

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$10.3M

+5.5% from 2015

Total participants

134

-19.3% from 2015

Average account balance

$96,340

+21.3% from 2015

Annual return

6.05%

+6.87 pp from 2015

Benchmarks

See 13,704 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants25-99

Cohort13,704 peers

Snapshot2016

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

Analytics

Total assets (EOY)

Plan-year ending balance

$4.62M

Not enough data

1 years with asset history on file

Average account balance

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

$110K

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.

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.

280.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$133K

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

+8.08%

Not enough data

1 years with return on file

Admin fee / account holder

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

$14082

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

0 years with F_SCH_H allocation on file

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

Service providers

Top 3 by compensation

Provider	Service type	Compensation
MATRIX TRUST COMPANY2+ years Filed as: MATRIX TRUST Service code 21 · EIN 75-3182674	Bank Trustee	$55,052
UBS FINANCIAL SERVICES INC2+ years Filed as: UBS Service code 51 · EIN 13-2638166	Investment Mgmt Fees	$49,452
SHEAKLEY2+ years Filed as: PAYSYSTEMS OF AMERICA DBA SHEAKLEY Service code 13 · EIN 62-1734593	Contract Administrator	$8,377

Plan features & details

Pension benefit codes2E2F2G2J2K3D3H

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.
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

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

$113K

$1254 / participant

Investment mgmt$105K92.6%
Contract admin$8K7.4%

% of EOY assets

1.095%

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: ATKINSON & CO.
Auditor EIN: 850211867
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$96,340

$56,894+69.3%

$84,753+13.7%

$62,881+53.2%

Participation rate

70.0%

68.5%+1.5pp

76.6%-6.6pp

69.3%+0.7pp

Annual return

6.05%

6.30%-0.3pp

22.78%-16.7pp

20.14%-14.1pp

Employer contribution / active EE

$5,234

$2,400+118.1%

$3,574+46.4%

$2,281+129.5%

Participant deferral / active EE

$2,567

$2,709-5.3%

$3,712-30.8%

$3,203-19.9%

Admin fee / account holder

$1,055

$3,581-70.5%

$5,333-80.2%

$4,296-75.4%

Provider

Service type

Compensation

MATRIX TRUST COMPANY2+ years

Filed as: MATRIX TRUST

Service code 21 · EIN 75-3182674

Bank Trustee

$55,052

UBS FINANCIAL SERVICES INC2+ years

Filed as: UBS

Service code 51 · EIN 13-2638166

Investment Mgmt Fees

$49,452

SHEAKLEY2+ years

Filed as: PAYSYSTEMS OF AMERICA DBA SHEAKLEY

Service code 13 · EIN 62-1734593

Contract Administrator

$8,377

GARDNER ZEMKE 401(K) & RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

GARDNER ZEMKE 401(K) & 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