Retirement plan

AGRIUM U.S. RETAIL 401(K) SAVINGS PLAN

Name: AGRIUM U. S. INC. - AGRIUM U.S. RETAIL 401(K) SAVINGS PLAN (2018) Form 5500
Creator: AGRIUM U. S. INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, AGRIUM U.S. RETAIL 401(K) SAVINGS PLAN, AGRIUM U. S. INC.

AGRIUM U. S. INC.EIN 91-1589568Plan #007PY 2018

3005 ROCKY MOUNTAIN AVENUE - LOVELAND, CO 80538847-849-4200

Other plans on this EIN

4 filings

#002Retirement-$126.9M assets #015Retirement-$6.0M assets #022Retirement-$177K assets #001Retirement--

Prospect flagsNo flags tripped

Top hat statement on fileNQDC

Filed July 3, 2005

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)

$900.5M

-3.9% from 2017

Total participants

12,308

+1.4% from 2017

Average account balance

$92,701

-5.9% from 2017

Annual return

-4.82%

-21.87 pp from 2017

Benchmarks

See 1,085 peers

Peer group

Industryany (size+type match)

Plan typeDefined contribution

Participants5,000-9,999

Cohort1,085 peers

Snapshot2018

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

Analytics

Total assets (EOY)

Plan-year ending balance

$1.96B

Not enough data

1 years with asset history on file

Average account balance

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

$122K

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.

16,058

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.

95.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$180.59M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$14K

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

+18.75%

Not enough data

1 years with return on file

Admin fee / account holder

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

$106

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
T ROWE PRICE RPS INC4+ years Service code 15 100 EAST PRATT STREET · BALTIMORE, MD 21202	Recordkeeping	$516,436
EIDE BAILLY LLP2 years Filed as: EIDEBAILLY LLP Service code 10 4310 17TH AVENUE SOUTH · FARGO, ND 58103	Accounting	$56,271
WILLIS TOWERS WATSON US LLC1 year Filed as: TOWERS WATSON Service code 27 WILLIS TOWER · CHICAGO, IL 60606	Advisory (Plan)	$22,000
WILLIS TOWERS WATSON US LLC1 year Filed as: WILLIS TOWERS WATSON Service code 27 1500 MARKET ST · PHILADELPHIA, PA 19102	Advisory (Plan)	$22,000
QDRO CONSULTANTS COMPANY, LLC1 year Filed as: QDRO CONSULTANTS Service code 16 3071 PEARL ROAD · MEDINA, OH 44256	Consulting	$6,000

Plan features & details

Pension benefit codes2E2F2G2J2K2T3H

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.
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

$623K

$65 / participant

Investment mgmt$44K7.1%
Other / not subdivided$579K92.9%

% of EOY assets

0.069%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: EIDE BAILLY LLP
Auditor EIN: 450250958
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$92,701

$68,904+34.5%

$90,657+2.3%

$68,904+34.5%

Participation rate

72.9%

74.1%-1.2pp

74.0%-1.1pp

74.1%-1.2pp

Annual return

-4.82%

1.07%-5.9pp

1.89%-6.7pp

1.07%-5.9pp

Employer contribution / active EE

$3,946

$2,540+55.3%

$2,532+55.8%

$2,540+55.3%

Participant deferral / active EE

$3,610

$4,015-10.1%

$3,424+5.4%

$4,015-10.1%

Admin fee / account holder

$64

$71-10.1%

$4,994-98.7%

$71-10.1%

Provider

Service type

Compensation

T ROWE PRICE RPS INC4+ years

Service code 15

100 EAST PRATT STREET · BALTIMORE, MD 21202

Recordkeeping

$516,436

EIDE BAILLY LLP2 years

Filed as: EIDEBAILLY LLP

Service code 10

4310 17TH AVENUE SOUTH · FARGO, ND 58103

Accounting

$56,271

WILLIS TOWERS WATSON US LLC1 year

Filed as: TOWERS WATSON

Service code 27

WILLIS TOWER · CHICAGO, IL 60606

Advisory (Plan)

$22,000

WILLIS TOWERS WATSON US LLC1 year

Filed as: WILLIS TOWERS WATSON

Service code 27

1500 MARKET ST · PHILADELPHIA, PA 19102

Advisory (Plan)

$22,000

QDRO CONSULTANTS COMPANY, LLC1 year

Filed as: QDRO CONSULTANTS

Service code 16

3071 PEARL ROAD · MEDINA, OH 44256

Consulting

$6,000

AGRIUM U.S. RETAIL 401(K) SAVINGS PLAN

Top hat statement on fileNQDC

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

AGRIUM U.S. RETAIL 401(K) SAVINGS PLAN

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