Retirement plan

C.S.A. RETIREMENT PLAN

Name: COMMUNITY SERVICES AGENCY - C.S.A. RETIREMENT PLAN (2017) Form 5500
Creator: COMMUNITY SERVICES AGENCY
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, C.S.A. RETIREMENT PLAN, COMMUNITY SERVICES AGENCY

COMMUNITY SERVICES AGENCYEIN 88-0095799Plan #001PY 2017

P.O. BOX 10167 - RENO, NV 89510775-786-6023csareno.orgLinkedIn51-200 employeesnon-profit organization management

Prospect flagsLow returnsHigh fees

How to read this page

Total assets (EOY)

$7M

+12.2% from 2016

Total participants

140

+22.8% from 2016

Average account balance

$62,240

+3.2% from 2016

Annual return

9.59%

+13.51 pp from 2016

Benchmarks

See 1,704 peers

Peer group

Industry81 - Other Services (except Public Administration)

Plan typeDefined contribution

Participants100-249

Cohort1,704 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$8.69M

Not enough data

1 years with asset history on file

Average account balance

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

$23K

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.

385

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.

95.1%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.21M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$6K

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

+5.00%

Not enough data

1 years with return on file

Admin fee / account holder

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

$14

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
TRANSAMERICA RETIREMENT SOLUTIONS2+ years Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781	Recordkeeping	$20,046
KESTRA INVESTMENT SERVICES LLC1 year Filed as: KESTRA FINANCIAL Service code 27 6500 ROCK SPRING DR STE 410 · BETHESDA, MD 20817	Advisory (Plan)	$15,983
CALIFORNIA RETIREMENT PLANS, INC.2+ years Service code 13 · EIN 68-0414789	Contract Administrator	$13,594
GREAT-WEST LIFE & ANNUITY INSURANCE1 year Filed as: GREAT WEST LIFE & ANNUITY INSURANCE Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CA 80111	Recordkeeping Fees	$12,532
METZ & ASSOCIATES PLLC2+ years Filed as: METZ & ASSOCIATES Service code 10 · EIN 46-4558541	Accounting	$5,750

Plan features & details

Pension benefit codes2A2E2F2G2J3D

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.
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.
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

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$42K

$394 / participant

Investment mgmt$33K79.2%
Other / not subdivided$9K20.8%

% of EOY assets

0.599%

all-in expense ratio

Categories reported

1 / 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: METZ & ASSOCIATES, PLLC
Auditor EIN: 464558541
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$62,240

$50,637+22.9%

$86,582-28.1%

$62,293-0.1%

Participation rate

74.8%

67.9%+6.9pp

73.5%+1.2pp

69.5%+5.3pp

Annual return

9.59%

20.80%-11.2pp

965.08%-955.5pp

28.90%-19.3pp

Employer contribution / active EE

$4,628

$2,075+123.0%

$2,839+63.0%

$2,042+126.6%

Participant deferral / active EE

$828

$2,611-68.3%

$3,609-77.1%

$3,169-73.9%

Admin fee / account holder

$373

$413-9.8%

$4,904-92.4%

$479-22.2%

Provider

Service type

Compensation

TRANSAMERICA RETIREMENT SOLUTIONS2+ years

Filed as: TRANSAMERICA LIFE INSURANCE COMPANY

Service code 15 · EIN 39-0989781

Recordkeeping

$20,046

KESTRA INVESTMENT SERVICES LLC1 year

Filed as: KESTRA FINANCIAL

Service code 27

6500 ROCK SPRING DR STE 410 · BETHESDA, MD 20817

Advisory (Plan)

$15,983

CALIFORNIA RETIREMENT PLANS, INC.2+ years

Service code 13 · EIN 68-0414789

Contract Administrator

$13,594

GREAT-WEST LIFE & ANNUITY INSURANCE1 year

Filed as: GREAT WEST LIFE & ANNUITY INSURANCE

Service code 64

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CA 80111

Recordkeeping Fees

$12,532

METZ & ASSOCIATES PLLC2+ years

Filed as: METZ & ASSOCIATES

Service code 10 · EIN 46-4558541

Accounting

$5,750

C.S.A. RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

C.S.A. RETIREMENT 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