Retirement plan

403(B) THRIFT PLAN FOR STUDENT CONSERVATION ASSOCI

Name: STUDENT CONSERVATION ASSOCIATION - 403(B) THRIFT PLAN FOR STUDENT CONSERVATION ASSOCI (2017) Form 5500
Creator: STUDENT CONSERVATION ASSOCIATION
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, 403(B) THRIFT PLAN FOR STUDENT CONSERVATION ASSOCI, STUDENT CONSERVATION ASSOCIATION

STUDENT CONSERVATION ASSOCIATIONEIN 91-0880684Plan #001PY 2017

P.O. BOX 550, 689 RIVER ROAD - CHARLESTOWN, NH 03603603-543-1700thesca.orgLinkedIn201-500 employeesenvironmental services

Prospect flagsLow participationLow employer contributionLow participant contributionFailed to transmit contributionsCorrective distributions

How to read this page

Total assets (EOY)

$8M

+5.1% from 2016

Total participants

778

+1.2% from 2016

Average account balance

$30,824

-3.4% from 2016

Annual return

16.96%

+8.79 pp from 2016

Benchmarks

See 235 peers

Peer group

Industry11 - Agriculture, Forestry, Fishing and Hunting

Plan typeDefined contribution

Participants250-999

Cohort235 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$11.09M

Not enough data

1 years with asset history on file

Average account balance

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

$57K

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.

195

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.

21.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$859K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$2K

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

+12.64%

Not enough data

1 years with return on file

Admin fee / account holder

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

$165

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 10 of 17 by compensation

Provider	Service type	Compensation
BAIRD INSURANCE SERVICES INC1 year Service code 53 · EIN 39-1236032	Insurance Commissions	$12,667
MORGAN STANLEY SMITH BARNEY3+ years Filed as: MORGAN STANLEY INS SERVICES INC Service code 53 · EIN 51-0116113	Insurance Commissions	$6,799
MASSACHUSETTS MUTUAL LIFE INS. CO.3+ years Service code 52 · EIN 04-1590850	Indirect Investment Fees	$2,095
ALGER1 year Service code 52 · EIN 13-3733280	Indirect Investment Fees	$0
AMERICAN FUNDS1 year Service code 52 · EIN 95-1411037	Indirect Investment Fees	$0
BLACKROCK1 year Service code 52 · EIN 13-3806694	Indirect Investment Fees	$0
CALVERT1 year Service code 52 · EIN 52-1531869	Indirect Investment Fees	$0
COLUMBIA1 year Service code 52 · EIN 56-0906609	Indirect Investment Fees	$0
FRANKLIN TEMPLETON1 year Filed as: FRANKLINTEMPLETON Service code 52 · EIN 59-6865210	Indirect Investment Fees	$0
HARRIS1 year Service code 52 · EIN 04-3276558	Indirect Investment Fees	$0

Plan features & details

Pension benefit codes2M2L2F2G3F2T

Plan features

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.
2L
Code section 403(b)(1) arrangement
Plan uses a Code section 403(b)(1) annuity contract as a funding vehicle.
2M
Code section 403(b)(7) accounts
Plan uses Code section 403(b)(7) custodial accounts as a funding vehicle.
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.
3F
Leased employees
Plan sponsor(s) received services of leased employees as defined in Code section 414(n) during the plan year.

Opportunity flags

5 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
OpportunityLow employer contribution
Employer contribution per participant 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).
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$2K

$3 / participant

Contract admin$2K99.3%
Other / not subdivided$150.7%

% of EOY assets

0.026%

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: ALEXANDER,ARONSON,FINNING & CO. P.C
Auditor EIN: 042571780
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$30,824

$54,390-43.3%

$117,039-73.7%

$69,631-55.7%

Participation rate

24.3%

58.5%-34.2pp

77.2%-52.9pp

70.7%-46.4pp

Annual return

16.96%

18.33%-1.4pp

18.95%-2.0pp

27571.02%-27554.1pp

Employer contribution / active EE

$271

$1,357-80.0%

$3,785-92.8%

$2,032-86.7%

Participant deferral / active EE

$681

$2,076-67.2%

$3,929-82.7%

$3,224-78.9%

Admin fee / account holder

$98-91.7%

$5,974-99.9%

$110-92.6%

Provider

Service type

Compensation

BAIRD INSURANCE SERVICES INC1 year

Service code 53 · EIN 39-1236032

Insurance Commissions

$12,667

MORGAN STANLEY SMITH BARNEY3+ years

Filed as: MORGAN STANLEY INS SERVICES INC

Service code 53 · EIN 51-0116113

Insurance Commissions

$6,799

MASSACHUSETTS MUTUAL LIFE INS. CO.3+ years

Service code 52 · EIN 04-1590850

Indirect Investment Fees

$2,095

ALGER1 year

Service code 52 · EIN 13-3733280

Indirect Investment Fees

AMERICAN FUNDS1 year

Service code 52 · EIN 95-1411037

Indirect Investment Fees

BLACKROCK1 year

Service code 52 · EIN 13-3806694

Indirect Investment Fees

CALVERT1 year

Service code 52 · EIN 52-1531869

Indirect Investment Fees

COLUMBIA1 year

Service code 52 · EIN 56-0906609

Indirect Investment Fees

FRANKLIN TEMPLETON1 year

Filed as: FRANKLINTEMPLETON

Service code 52 · EIN 59-6865210

Indirect Investment Fees

HARRIS1 year

Service code 52 · EIN 04-3276558

Indirect Investment Fees

403(B) THRIFT PLAN FOR STUDENT CONSERVATION ASSOCI

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

403(B) THRIFT PLAN FOR STUDENT CONSERVATION ASSOCI

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