Retirement plan

THE PROFIT SHARING PLAN AND TRUST OF WEST COAST PAPER COMPANY

Name: WEST COAST PAPER COMPANY - THE PROFIT SHARING PLAN AND TRUST OF WEST COAST PAPER COMPANY (2015) Form 5500
Creator: WEST COAST PAPER COMPANY
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, THE PROFIT SHARING PLAN AND TRUST OF WEST COAST PAPER COMPANY, WEST COAST PAPER COMPANY

WEST COAST PAPER COMPANYEIN 91-0496429Plan #001PY 2015

6703 S. 234TH ST., SUITE 120 - KENT, WA 98032253-850-3560LinkedIn1-10 employees

Prospect flagsLow returnsHigh feesFailed to transmit contributions

Top hat statement on fileNQDC

Filed December 23, 2014 (most recent of 2 filings on file)

This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.

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Total assets (EOY)

$52.1M

No prior year

Total participants

668

No prior year

Average account balance

$84,498

No prior year

Annual return

-1.08%

No prior year

Benchmarks

See 1,096 peers

Peer group

Industry42 - Wholesale Trade

Plan typeDefined contribution

Participants250-999

Cohort1,096 peers

Snapshot2015

See peer percentile detail. $4.99 for your first month.

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Analytics

Total assets (EOY)

Plan-year ending balance

$87.59M

Not enough data

1 years with asset history on file

Average account balance

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

$130K

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.

674

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.

96.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$4.96M

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

+12.10%

Not enough data

1 years with return on file

Admin fee / account holder

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

$235

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
TRAUTMANN MAHER & ASSOCIATES1+ years Filed as: TRAUTMANN, MAHER & ASSOCIATES Service code 15 · EIN 91-1526584	Recordkeeping	$53,442
PACIFIC PORTFOLIO CONSULTING1+ years Service code 27 · EIN 20-4049073	Advisory (Plan)	$45,835
MATRIX TRUST COMPANY1+ years Service code 18 · EIN 75-3182674	Custodial (other than securities)	$20,073
MOSS ADAMS LLP1+ years Filed as: MOSS ADAMS, LLP Service code 10 · EIN 91-0189318	Accounting	$14,715
WILMINGTON TRUST1+ years Service code 18 · EIN 51-0099033	Custodial (other than securities)	$6,735

Plan features & details

Pension benefit codes2E2G2J2K2F2S2T3D

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.
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.

Opportunity flags

3 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.
ComplianceFailed to transmit contributions
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).

Expense breakdown

Schedule H Part II

Admin total

$203K

$391 / participant

Investment mgmt$107K52.7%
Contract admin$53K26.3%
Other / not subdivided$43K21.0%

% of EOY assets

0.391%

all-in expense ratio

Categories reported

2 / 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: MOSS ADAMS, LLP
Auditor EIN: 910189318
Audit fees: (not subdivided)
Opinion code: Disclaimer

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$84,498

$57,096+48.0%

$94,224-10.3%

$55,191+53.1%

Participation rate

90.0%

75.7%+14.3pp

78.8%+11.2pp

69.2%+20.8pp

Annual return

-1.08%

159.65%-160.7pp

10.68%-11.8pp

10.78%-11.9pp

Employer contribution / active EE

$2,229

$1,708+30.5%

$3,587-37.8%

$1,899+17.4%

Participant deferral / active EE

$4,171

$3,165+31.8%

$4,320-3.5%

$3,046+36.9%

Admin fee / account holder

$330

$89+270.1%

$6,269-94.7%

$91+263.8%

Provider

Service type

Compensation

TRAUTMANN MAHER & ASSOCIATES1+ years

Filed as: TRAUTMANN, MAHER & ASSOCIATES

Service code 15 · EIN 91-1526584

Recordkeeping

$53,442

PACIFIC PORTFOLIO CONSULTING1+ years

Service code 27 · EIN 20-4049073

Advisory (Plan)

$45,835

MATRIX TRUST COMPANY1+ years

Service code 18 · EIN 75-3182674

Custodial (other than securities)

$20,073

MOSS ADAMS LLP1+ years

Filed as: MOSS ADAMS, LLP

Service code 10 · EIN 91-0189318

Accounting

$14,715

WILMINGTON TRUST1+ years

Service code 18 · EIN 51-0099033

Custodial (other than securities)

$6,735

THE PROFIT SHARING PLAN AND TRUST OF WEST COAST PAPER COMPANY

Top hat statement on fileNQDC

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

THE PROFIT SHARING PLAN AND TRUST OF WEST COAST PAPER COMPANY

Top hat statement on fileNQDC

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