Retirement plan

CUSTONE 401(K) PLAN

Name: CUSTONE - CUSTONE 401(K) PLAN (2016) Form 5500
Creator: CUSTONE
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CUSTONE 401(K) PLAN, CUSTONE

CUSTONEEIN 91-0348108Plan #001PY 2016

PO BOX 549 - WENATCHEE, WA 98801509-663-2788oneonta.comLinkedIn11-50 employeesfood & beverages

Prospect flagsLow returns

How to read this page

Total assets (EOY)

$15.2M

No prior year

Total participants

478

No prior year

Average account balance

$40,627

No prior year

Annual return

-1.36%

No prior year

Benchmarks

See 233 peers

Peer group

Industry11 - Agriculture, Forestry, Fishing and Hunting

Plan typeDefined contribution

Participants250-999

Cohort233 peers

Snapshot2016

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

Analytics

Total assets (EOY)

Plan-year ending balance

$16.10M

Not enough data

1 years with asset history on file

Average account balance

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

$44K

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.

363

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.

14.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$928K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$687

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

+11.35%

Not enough data

1 years with return on file

Admin fee / account holder

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

$179

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 2 by compensation

Provider	Service type	Compensation
AMERICAN REALTY ADVISORS1+ years Filed as: AMERICAN NORTHWEST ADVISORY SERVICE Service code 27 · EIN 91-1998294	Advisory (Plan)	$50,368
AMERICAN REALTY ADVISORS1+ years Filed as: AMERICAN NORTHWEST RPS Service code 15 · EIN 91-2165154	Recordkeeping	$31,446

Plan features & details

Pension benefit codes2E2F2G2J3B3D3H

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.
3B
Plan covering self-employed individuals
Plan covering self-employed individuals.
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

OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$86K

$216 / participant

Investment mgmt$50K58.7%
Other / not subdivided$35K41.3%

% of EOY assets

0.566%

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: HOMCHICK, SMITH AND ASSOCIATES PLLC
Auditor EIN: 910626552
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$40,627

$46,761-13.1%

$106,619-61.9%

$57,658-29.5%

Participation rate

73.6%

56.9%+16.7pp

78.0%-4.4pp

70.2%+3.3pp

Annual return

-1.36%

15.77%-17.1pp

9.42%-10.8pp

5.13%-6.5pp

Employer contribution / active EE

$1,132

$1,274-11.1%

$3,947-71.3%

$1,974-42.6%

Participant deferral / active EE

$2,159

$1,954+10.5%

$3,930-45.1%

$3,061-29.5%

Admin fee / account holder

$230

$97+137.5%

$6,418-96.4%

$95+143.1%

Provider

Service type

Compensation

AMERICAN REALTY ADVISORS1+ years

Filed as: AMERICAN NORTHWEST ADVISORY SERVICE

Service code 27 · EIN 91-1998294

Advisory (Plan)

$50,368

AMERICAN REALTY ADVISORS1+ years

Filed as: AMERICAN NORTHWEST RPS

Service code 15 · EIN 91-2165154

Recordkeeping

$31,446

CUSTONE 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CUSTONE 401(K) 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