Retirement plan

RAIL GROUP 401(K) & PROFIT SHARING PLAN

Name: RAIL MANAGEMENT SERVICES LLC - RAIL GROUP 401(K) & PROFIT SHARING PLAN (2018) Form 5500
Creator: RAIL MANAGEMENT SERVICES LLC
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, RAIL GROUP 401(K) & PROFIT SHARING PLAN, RAIL MANAGEMENT SERVICES LLC

RAIL MANAGEMENT SERVICES LLCEIN 91-1738173Plan #005PY 2018

1131 S.W. KLICKITAT WAY - SEATTLE, WA 98134206-623-0304LinkedIn1001-5000 employeestransportation/trucking/railroad

Prospect flagsLow participationLow participant contributionCorrective distributions

How to read this page

Total assets (EOY)

$23.7M

+20.9% from 2017

Total participants

1,086

-3.2% from 2017

Average account balance

$80,630

+13.5% from 2017

Annual return

22.10%

-41.92 pp from 2017

Benchmarks

See 241 peers

Peer group

Industry48 - Transportation and Warehousing

Plan typeDefined contribution

Participants1,000-4,999

Cohort241 peers

Snapshot2018

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

Analytics

Total assets (EOY)

Plan-year ending balance

$36.40M

Not enough data

1 years with asset history on file

Average account balance

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

$92K

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.

394

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.

15.9%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$2.38M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$1K

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

+13.60%

Not enough data

1 years with return on file

Admin fee / account holder

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

$60

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
CTC MYCFO, LLC2 years Service code 27 · EIN 77-0522698	Advisory (Plan)	$3,839
FIDELITY INVESTMENTS INSTITUTIONAL3+ years Service code 60 · EIN 04-2647786	Sub-TA Fees	$466

Plan features & details

Pension benefit codes2E2F2G2T3D3H

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.
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

3 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.
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$4K

$4 / participant

Investment mgmt$4K89.2%
Other / not subdivided$46610.8%

% of EOY assets

0.018%

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: VWC, P.S.
Auditor EIN: 911007261
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$80,630

$57,606+40.0%

$67,313+19.8%

$75,289+7.1%

Participation rate

24.1%

68.2%-44.2pp

69.1%-45.0pp

72.4%-48.4pp

Annual return

22.10%

-0.47%+22.6pp

-4.08%+26.2pp

-0.04%+22.1pp

Employer contribution / active EE

$968

$2,206-56.1%

$2,566-62.3%

$2,405-59.7%

Participant deferral / active EE

$493

$3,195-84.6%

$3,568-86.2%

$3,739-86.8%

Admin fee / account holder

$15

$83-82.3%

$4,507-99.7%

$102-85.7%

Provider

Service type

Compensation

CTC MYCFO, LLC2 years

Service code 27 · EIN 77-0522698

Advisory (Plan)

$3,839

FIDELITY INVESTMENTS INSTITUTIONAL3+ years

Service code 60 · EIN 04-2647786

Sub-TA Fees

$466

RAIL GROUP 401(K) & PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

RAIL GROUP 401(K) & PROFIT SHARING 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