Retirement plan

EQUITABLE LIFE & CASUALTY INSURANCE COMPANY EMPLOYEES 401(K) PROFIT SHARING PLAN

Name: EQUITABLE LIFE & CASUALTY INSURANCE COMPANY - EQUITABLE LIFE & CASUALTY INSURANCE COMPANY EMPLOYEES 401(K) PROFIT SHARING PLAN (2017) Form 5500
Creator: EQUITABLE LIFE & CASUALTY INSURANCE COMPANY
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, EQUITABLE LIFE & CASUALTY INSURANCE COMPANY EMPLOYEES 401(K) PROFIT SHARING PLAN, EQUITABLE LIFE & CASUALTY INSURANCE COMPANY

EQUITABLE LIFE & CASUALTY INSURANCE COMPANYEIN 87-0129771Plan #001PY 2017

299 SOUTH MAIN STREET, SUITE 1100 - SALT LAKE CITY, UT 84111801-579-3481silacins.comLinkedIn201-500 employeesinsurance

Prospect flagsCorrective distributions

How to read this page

Total assets (EOY)

$11.7M

-2.1% from 2016

Total participants

191

-4.0% from 2016

Average account balance

$61,834

+3.1% from 2016

Annual return

16.01%

+7.89 pp from 2016

Benchmarks

See 2,201 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants100-249

Cohort2,201 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$25.41M

Not enough data

1 years with asset history on file

Average account balance

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

$68K

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.

376

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.

98.3%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$2.79M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$10K

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

+18.37%

Not enough data

1 years with return on file

Admin fee / account holder

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

$153

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 3 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	$34,727
CHARLES SCHWAB & CO., INC.3+ years Service code 33 · EIN 94-1737782	Direct payment from the plan; Securit...	$708
CHARLES SCHWAB & CO., INC.3+ years Filed as: CHARLES SCHWAB & CO AND AFFILIATES Service code 59	Shareholder Servicing	$0

Plan features & details

Pension benefit codes2E2F2G2J2T3D3H2R2S

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.
2R
Participant-directed brokerage accounts
Participant-directed brokerage accounts provided as an investment option under the plan.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
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.
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

ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$35K

$224 / participant

Other / not subdivided$35K100.0%

% of EOY assets

0.296%

all-in expense ratio

Categories reported

0 / 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: EIDE BAILLEY
Auditor EIN: 450250958
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$61,834

$89,739-31.1%

$149,721-58.7%

$62,293-0.7%

Participation rate

98.7%

85.1%+13.6pp

87.1%+11.6pp

69.5%+29.2pp

Annual return

16.01%

21.01%-5.0pp

1501.67%-1485.7pp

28.90%-12.9pp

Employer contribution / active EE

$2,007

$3,233-37.9%

$5,444-63.1%

$2,042-1.7%

Participant deferral / active EE

$3,862

$4,797-19.5%

$6,568-41.2%

$3,169+21.9%

Admin fee / account holder

$183

$551-66.8%

$11,282-98.4%

$479-61.9%

Provider

Service type

Compensation

CHARLES SCHWAB & CO., INC.3+ years

Filed as: SCHWAB RETIREMENT PLAN SERVICES INC

Service code 15 · EIN 34-1479833

Recordkeeping

$34,727

CHARLES SCHWAB & CO., INC.3+ years

Service code 33 · EIN 94-1737782

Direct payment from the plan; Securit...

$708

CHARLES SCHWAB & CO., INC.3+ years

Filed as: CHARLES SCHWAB & CO AND AFFILIATES

Service code 59

Shareholder Servicing

EQUITABLE LIFE & CASUALTY INSURANCE COMPANY EMPLOYEES 401(K) PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

EQUITABLE LIFE & CASUALTY INSURANCE COMPANY EMPLOYEES 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