Retirement plan

EMPLOYERS INSURANCE COMPANY OF NEVADA 401(K) RETIREMENT PLAN

Name: EMPLOYERS INSURANCE COMPANY OF NEVADA - EMPLOYERS INSURANCE COMPANY OF NEVADA 401(K) RETIREMENT PLAN (2015) Form 5500
Creator: EMPLOYERS INSURANCE COMPANY OF NEVADA
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, EMPLOYERS INSURANCE COMPANY OF NEVADA 401(K) RETIREMENT PLAN, EMPLOYERS INSURANCE COMPANY OF NEVADA

EMPLOYERS INSURANCE COMPANY OF NEVADAEIN 88-0442429Plan #002PY 2015

10375 PROFESSIONAL CIRCLE - RENO, NV 89521775-327-2558

Prospect flagsNo flags tripped

How to read this page

Total assets (EOY)

$65.1M

No prior year

Total participants

971

No prior year

Average account balance

$82,703

No prior year

Annual return

1.82%

No prior year

Benchmarks

See 1,335 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants250-999

Cohort1,335 peers

Snapshot2015

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

Analytics

Total assets (EOY)

Plan-year ending balance

$132.25M

Not enough data

1 years with asset history on file

Average account balance

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

$167K

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.

791

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.

74.5%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$8.36M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$12K

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

+14.49%

Not enough data

1 years with return on file

Admin fee / account holder

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

$76

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 4 by compensation

Provider	Service type	Compensation
AON CONSULTING1+ years Filed as: AON CONSULTING INC Service code 16 P.O. BOX 95135 · CHICAGO, IL 60694	Consulting	$22,500
ERNST & YOUNG LLP1+ years Filed as: ERNST AND YOUNG LLP Service code 10 5 TIMES SQUARE · NEW YORK, NY 10036	Accounting	$8,127
MAUPIN, COX & LEGOY1+ years Filed as: MAUPIN COX AND LEGOY Service code 29 P.O. BOX 30000 · RENO, NV 89520	Legal	$6,100
T ROWE PRICE RPS INC1+ years Service code 15 100 EAST PRATT STREET · BALTIMORE, MD 21202	Recordkeeping	$4,990

Plan features & details

Pension benefit codes2E2F2G2J2K2T3D3H

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.
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

0 tripped

No flags tripped for this filing year. This plan looks clean.

Expense breakdown

Schedule H Part II

Admin total

$42K

$57 / participant

Other / not subdivided$42K100.0%

% of EOY assets

0.064%

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: ERNST & YOUNG, LLP
Auditor EIN: 346565596
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$82,703

$68,413+20.9%

$123,105-32.8%

$55,191+49.8%

Participation rate

74.8%

84.5%-9.7pp

86.8%-12.0pp

69.2%+5.6pp

Annual return

1.82%

6.30%-4.5pp

13.22%-11.4pp

10.78%-9.0pp

Employer contribution / active EE

$2,502

$3,050-18.0%

$5,151-51.4%

$1,899+31.7%

Participant deferral / active EE

$5,292

$4,490+17.9%

$6,229-15.0%

$3,046+73.7%

Admin fee / account holder

$53

$88-39.6%

$9,014-99.4%

$91-41.6%

Provider

Service type

Compensation

AON CONSULTING1+ years

Filed as: AON CONSULTING INC

Service code 16

P.O. BOX 95135 · CHICAGO, IL 60694

Consulting

$22,500

ERNST & YOUNG LLP1+ years

Filed as: ERNST AND YOUNG LLP

Service code 10

5 TIMES SQUARE · NEW YORK, NY 10036

Accounting

$8,127

MAUPIN, COX & LEGOY1+ years

Filed as: MAUPIN COX AND LEGOY

Service code 29

P.O. BOX 30000 · RENO, NV 89520

Legal

$6,100

T ROWE PRICE RPS INC1+ years

Service code 15

100 EAST PRATT STREET · BALTIMORE, MD 21202

Recordkeeping

$4,990

EMPLOYERS INSURANCE COMPANY OF NEVADA 401(K) RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

EMPLOYERS INSURANCE COMPANY OF NEVADA 401(K) 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