Retirement plan

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

Name: PUEBLO OF TESUQUE - PUEBLO OF TESUQUE COMMERCIAL ENTERPRISES 401(K) PROFIT SHARING PLAN (2017) Form 5500
Creator: PUEBLO OF TESUQUE
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, PUEBLO OF TESUQUE COMMERCIAL ENTERPRISES 401(K) PROFIT SHARING PLAN, PUEBLO OF TESUQUE

PUEBLO OF TESUQUEEIN 85-0225120Plan #004PY 2017

ROUTE 42, BOX 360-T - SANTA FE, NM 87506800-483-1040LinkedIn11-50 employeeseducation management

Prospect flagsLow returnsLow participationLow assets / participantLow participant contributionLow fidelity bond

How to read this page

Total assets (EOY)

$2.4M

+3.2% from 2016

Total participants

248

-8.1% from 2016

Average account balance

$19,343

+18.2% from 2016

Annual return

11.46%

+4.50 pp from 2016

Benchmarks

See 36,875 peers

Peer group

Industryany (size+type match)

Plan typeDefined contribution

Participants100-249

Cohort36,875 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$3.15M

Not enough data

1 years with asset history on file

Average account balance

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

$38K

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.

65.6%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$329K

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

+11.51%

Not enough data

1 years with return on file

Admin fee / account holder

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

$3241

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 4 by compensation

Provider	Service type	Compensation
ALLIANCE BENEFIT GROUP3+ years Filed as: ALLIANCE BENEFIT GROUP SOUTHWEST, L Service code 15 · EIN 38-3944313 PO BOX 93656 · ALBUQUERQUE, NM 871993656	Recordkeeping	$13,929
MOSS ADAMS LLP1 year Filed as: MOSS ADAMS, LLP Service code 10 · EIN 91-0189318 6565 AMERICAS PARKWAY, SUITE 600 · ALBUQUERQUE, NM 87110	Accounting	$8,725
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 42-1558009	Securities Custodian	$6,985
REDW STANLEY FINANCIAL ADVISORS LLC3+ years Service code 26 · EIN 85-0467977 PO BOX 93656 · ALBUQUERQUE, NM 871993656	Advisory (Participants)	$6,982

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

5 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
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.
ComplianceLow fidelity bond
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).

Expense breakdown

Schedule H Part II

Admin total

$30K

$134 / participant

Investment mgmt$7K23.3%
Other / not subdivided$23K76.7%

% of EOY assets

1.249%

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

$19,343

$62,293-68.9%

$56,429-65.7%

$62,293-68.9%

Participation rate

44.4%

69.5%-25.1pp

80.0%-35.7pp

69.5%-25.1pp

Annual return

11.46%

28.90%-17.4pp

19.04%-7.6pp

28.90%-17.4pp

Employer contribution / active EE

$446

$2,042-78.2%

$3,405-86.9%

$2,042-78.2%

Participant deferral / active EE

$705

$3,169-77.8%

$3,951-82.2%

$3,169-77.8%

Admin fee / account holder

$242

$479-49.6%

$4,466-94.6%

$479-49.6%

Provider

Service type

Compensation

ALLIANCE BENEFIT GROUP3+ years

Filed as: ALLIANCE BENEFIT GROUP SOUTHWEST, L

Service code 15 · EIN 38-3944313

PO BOX 93656 · ALBUQUERQUE, NM 871993656

Recordkeeping

$13,929

MOSS ADAMS LLP1 year

Filed as: MOSS ADAMS, LLP

Service code 10 · EIN 91-0189318

6565 AMERICAS PARKWAY, SUITE 600 · ALBUQUERQUE, NM 87110

Accounting

$8,725

CHARLES SCHWAB & CO., INC.2 years

Filed as: CHARLES SCHWAB BANK

Service code 19 · EIN 42-1558009

Securities Custodian

$6,985

REDW STANLEY FINANCIAL ADVISORS LLC3+ years

Service code 26 · EIN 85-0467977

PO BOX 93656 · ALBUQUERQUE, NM 871993656

Advisory (Participants)

$6,982

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

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

PUEBLO OF TESUQUE COMMERCIAL ENTERPRISES 401(K) PROFIT SHARING 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