Retirement plan

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

Name: PUEBLO OF SANDIA - PUEBLO OF SANDIA COMMERCIAL ENTERPRISES 401(K) PROFIT SHARING PLAN AND TRUST (2016) Form 5500
Creator: PUEBLO OF SANDIA
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, PUEBLO OF SANDIA COMMERCIAL ENTERPRISES 401(K) PROFIT SHARING PLAN AND TRUST, PUEBLO OF SANDIA

PUEBLO OF SANDIAEIN 85-0223706Plan #003PY 2016

481 SANDIA LOOP - BERNALILLO, NM 87004505-867-3317LinkedIn51-200 employeeshigher education

Prospect flagsHigh cashLow participation

How to read this page

Total assets (EOY)

$34.9M

+6.3% from 2015

Total participants

1,898

-3.7% from 2015

Average account balance

$29,763

+20.0% from 2015

Annual return

8.57%

+11.45 pp from 2015

Benchmarks

See 6,974 peers

Peer group

Industryany (size+type match)

Plan typeDefined contribution

Participants1,000-4,999

Cohort6,974 peers

Snapshot2016

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

Analytics

Total assets (EOY)

Plan-year ending balance

$51.94M

Not enough data

1 years with asset history on file

Average account balance

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

$56K

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.

920

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.

56.3%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$5.25M

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

+12.34%

Not enough data

1 years with return on file

Admin fee / account holder

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

$225

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
REDW STANLEY FINANCIAL ADVISORS LLC2+ years Service code 26 · EIN 85-0467977	Advisory (Participants)	$113,403
ALLIANCE BENEFIT GROUP2+ years Filed as: ALLIANCE BENEFIT GROUP SOUTHWEST LL Service code 15 · EIN 38-3944313	Recordkeeping	$77,678
CHARLES SCHWAB & CO., INC.2+ years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 42-1558009	Securities Custodian	$19,740
LOFTIS & LOVATO GROUP2+ years Filed as: LOFTIS GROUP LLC Service code 10 · EIN 20-2486011	Accounting	$13,606

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

2 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityHigh cash
More than 10% of assets are held in cash - possible menu-design or default-fund problem.

Expense breakdown

Schedule H Part II

Admin total

$210K

$126 / participant

Investment mgmt$113K53.9%
Other / not subdivided$97K46.1%

% of EOY assets

0.604%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: LOFTIS GROUP LLC
Auditor EIN: 202486011
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$29,763

$63,975-53.5%

$46,225-35.6%

$63,975-53.5%

Participation rate

56.5%

71.1%-14.6pp

79.5%-23.0pp

71.1%-14.6pp

Annual return

8.57%

48.65%-40.1pp

7.57%+1.0pp

48.65%-40.1pp

Employer contribution / active EE

$805

$2,182-63.1%

$3,424-76.5%

$2,182-63.1%

Participant deferral / active EE

$1,374

$3,356-59.1%

$3,776-63.6%

$3,356-59.1%

Admin fee / account holder

$180

$70+155.2%

$3,519-94.9%

$70+155.2%

Provider

Service type

Compensation

REDW STANLEY FINANCIAL ADVISORS LLC2+ years

Service code 26 · EIN 85-0467977

Advisory (Participants)

$113,403

ALLIANCE BENEFIT GROUP2+ years

Filed as: ALLIANCE BENEFIT GROUP SOUTHWEST LL

Service code 15 · EIN 38-3944313

Recordkeeping

$77,678

CHARLES SCHWAB & CO., INC.2+ years

Filed as: CHARLES SCHWAB BANK

Service code 19 · EIN 42-1558009

Securities Custodian

$19,740

LOFTIS & LOVATO GROUP2+ years

Filed as: LOFTIS GROUP LLC

Service code 10 · EIN 20-2486011

Accounting

$13,606

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

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

PUEBLO OF SANDIA COMMERCIAL ENTERPRISES 401(K) PROFIT SHARING PLAN 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