Retirement plan

OSBORN MALEDON, P.A. DEFINED CONTRIBUTION PROTOTYPE PLAN AND TRUST AGREEMENT

Name: OSBORN MALEDON, P.A. - OSBORN MALEDON, P.A. DEFINED CONTRIBUTION PROTOTYPE PLAN AND TRUST AGREEMENT (2017) Form 5500
Creator: OSBORN MALEDON, P.A.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, OSBORN MALEDON, P.A. DEFINED CONTRIBUTION PROTOTYPE PLAN AND TRUST AGREEMENT, OSBORN MALEDON, P.A.

OSBORN MALEDON, P.A.EIN 86-0789930Plan #001PY 2017

2929 NORTH CENTRAL AVE, 21ST FLOOR - PHOENIX, AZ 85012602-640-9000omlaw.comLinkedIn51-200 employeeslaw practice

Prospect flagsHigh feesHigh assets / participantCorrective distributions

How to read this page

Total assets (EOY)

$45.3M

+14.6% from 2016

Total participants

125

+1.6% from 2016

Average account balance

$362,513

+12.8% from 2016

Annual return

15.35%

+8.76 pp from 2016

Benchmarks

See 25,068 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants25-99

Cohort25,068 peers

Snapshot2017

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Analytics

Total assets (EOY)

Plan-year ending balance

$59.32M

Not enough data

1 years with asset history on file

Average account balance

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

$463K

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.

128

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.

96.8%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$2.49M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$26K

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

+12.25%

Not enough data

1 years with return on file

Admin fee / account holder

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

$754

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

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Service providers

Top 5 by compensation

Provider	Service type	Compensation
CHARLES SCHWAB & CO., INC.3+ years Filed as: SCHWAB RETIREMENT PLAN SERVICES INC Service code 15 · EIN 34-1479833	Recordkeeping	$51,830
STOKER OSTLER WEALTH ADVISORS1 year Service code 26 · EIN 86-0862232	Advisory (Participants)	$16,997
JP MORGAN INVESTMENT MANAGEMENT INC2 years Filed as: SONORA INVESTMENT MANAGEMENT L Service code 26 · EIN 20-5656392	Advisory (Participants)	$9,457
CHARLES SCHWAB & CO., INC.3+ years Service code 33 · EIN 94-1737782	Securities brokerage commissions and ...	$2,358
CHARLES SCHWAB & CO., INC.3+ years Filed as: CHARLES SCHWAB & CO. INC. AND AFFIL Service code 59	Shareholder Servicing	$0

Plan features & details

Pension benefit codes2E2F2G2J2K2R2T3D

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.
2R
Participant-directed brokerage accounts
Participant-directed brokerage accounts provided as an investment option under the plan.
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.
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

3 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).
InformationalHigh assets / participant
Assets per participant exceed $250,000 - top-decile high-value plan.

Expense breakdown

Schedule H Part II

Admin total

$78K

$851 / participant

Investment mgmt$26K33.8%
Other / not subdivided$52K66.2%

% of EOY assets

0.173%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Disclaimer opinion

The auditor declined to give an opinion. This is usually a 103(a)(3)(C) limited-scope election.

Auditor firm: CARNEAL & HUNT, P.L.C.
Auditor EIN: 860661421
Audit fees: (not subdivided)
Opinion code: Disclaimer

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$362,513

$85,766+322.7%

$136,294+166.0%

$70,131+416.9%

Participation rate

100.0%

74.2%+25.8pp

81.9%+18.1pp

69.5%+30.5pp

Annual return

15.35%

31.45%-16.1pp

5155.94%-5140.6pp

73.14%-57.8pp

Employer contribution / active EE

$8,856

$2,966+198.6%

$4,695+88.6%

$2,342+278.1%

Participant deferral / active EE

$14,469

$5,051+186.4%

$6,247+131.6%

$3,332+334.3%

Admin fee / account holder

$626

$5,420-88.4%

$9,243-93.2%

$4,645-86.5%

Provider

Service type

Compensation

CHARLES SCHWAB & CO., INC.3+ years

Filed as: SCHWAB RETIREMENT PLAN SERVICES INC

Service code 15 · EIN 34-1479833

Recordkeeping

$51,830

STOKER OSTLER WEALTH ADVISORS1 year

Service code 26 · EIN 86-0862232

Advisory (Participants)

$16,997

JP MORGAN INVESTMENT MANAGEMENT INC2 years

Filed as: SONORA INVESTMENT MANAGEMENT L

Service code 26 · EIN 20-5656392

Advisory (Participants)

$9,457

CHARLES SCHWAB & CO., INC.3+ years

Service code 33 · EIN 94-1737782

Securities brokerage commissions and ...

$2,358

CHARLES SCHWAB & CO., INC.3+ years

Filed as: CHARLES SCHWAB & CO. INC. AND AFFIL

Service code 59

Shareholder Servicing

OSBORN MALEDON, P.A. DEFINED CONTRIBUTION PROTOTYPE PLAN AND TRUST AGREEMENT

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

OSBORN MALEDON, P.A. DEFINED CONTRIBUTION PROTOTYPE PLAN AND TRUST AGREEMENT

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