Retirement plan

CITIZEN AUTO STAGE COMPANY AND AFFILIATES PROFIT SHARING PLAN

Name: CITIZEN AUTO STAGE COMPANY - CITIZEN AUTO STAGE COMPANY AND AFFILIATES PROFIT SHARING PLAN (2015) Form 5500
Creator: CITIZEN AUTO STAGE COMPANY
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CITIZEN AUTO STAGE COMPANY AND AFFILIATES PROFIT SHARING PLAN, CITIZEN AUTO STAGE COMPANY

CITIZEN AUTO STAGE COMPANYEIN 86-0012070Plan #001PY 2015

67 E. BAFFERT DRIVE - NOGALES, AZ 856213554520-281-0400graylinearizona.comLinkedIn1-10 employeeseducation management

Other plans on this EIN

1 filing

#002Retirement-$1.5M assets

Prospect flagsHigh feesLow participant contribution

How to read this page

Total assets (EOY)

$7.7M

No prior year

Total participants

123

No prior year

Average account balance

$62,336

No prior year

Annual return

-2.65%

No prior year

Benchmarks

See 3,171 peers

Peer group

Industry48 - Transportation and Warehousing

Plan typeDefined contribution

Participants25-99

Cohort3,171 peers

Snapshot2015

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

Analytics

Total assets (EOY)

Plan-year ending balance

$5.54M

Not enough data

1 years with asset history on file

Average account balance

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

$71K

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.

111.4%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$109K

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

+10.30%

Not enough data

1 years with return on file

Admin fee / account holder

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

$10364

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 2 by compensation

Provider	Service type	Compensation
SEGALL BRYANT & HAMILL1+ years Service code 17 · EIN 41-1788385 10 S WACKER DR, STE 3500 · CHICAGO, IL 606067507	Pension Consulting	$28,131
PINNACLE PLAN DESIGN, LLC1+ years Service code 13 · EIN 20-3970947 P.O. BOX 64130 · TUCSON, AZ 857284130	Contract Administrator	$27,001

Plan features & details

Pension benefit codes2A2E2J3D

Plan features

2A
Age/service weighted or new comparability plan
Age/service weighted plan where allocations are based on age service or age and service; or new comparability or similar plan where allocations are based on participant classifications consisting entirely or predominantly of highly compensated employees or the plan provides an additional allocation rate on compensation above a specified threshold that exceeds the permitted disparity limits of Code section 401(l).
2E
Profit-sharing
Profit-sharing plan.
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.
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.

Opportunity flags

2 tripped

OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
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

$58K

$615 / participant

Investment mgmt$28K48.6%
Contract admin$27K46.7%
Other / not subdivided$3K4.7%

% of EOY assets

0.754%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: ROBERTS / ALEXONIS GROUP
Auditor EIN: 562386438
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$62,336

$44,850+39.0%

$60,547+3.0%

$59,633+4.5%

Participation rate

100.0%

59.5%+40.5pp

68.0%+32.0pp

68.7%+31.3pp

Annual return

-2.65%

1074.14%-1076.8pp

335.64%-338.3pp

2041.40%-2044.0pp

Employer contribution / active EE

$1,570

$1,462+7.4%

$2,419-35.1%

$2,203-28.7%

Participant deferral / active EE

$545

$2,230-75.6%

$3,328-83.6%

$3,192-82.9%

Admin fee / account holder

$470

$3,635-87.1%

$4,536-89.6%

$4,297-89.1%

Provider

Service type

Compensation

SEGALL BRYANT & HAMILL1+ years

Service code 17 · EIN 41-1788385

10 S WACKER DR, STE 3500 · CHICAGO, IL 606067507

Pension Consulting

$28,131

PINNACLE PLAN DESIGN, LLC1+ years

Service code 13 · EIN 20-3970947

P.O. BOX 64130 · TUCSON, AZ 857284130

Contract Administrator

$27,001

CITIZEN AUTO STAGE COMPANY AND AFFILIATES PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CITIZEN AUTO STAGE COMPANY AND AFFILIATES 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