Retirement plan

R & M CONSULTANTS, INC. PROFIT-SHARING PLAN AND TRUST

Name: R & M CONSULTANTS, INC. - R & M CONSULTANTS, INC. PROFIT-SHARING PLAN AND TRUST (2020) Form 5500
Creator: R & M CONSULTANTS, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, R & M CONSULTANTS, INC. PROFIT-SHARING PLAN AND TRUST, R & M CONSULTANTS, INC.

R & M CONSULTANTS, INC.EIN 92-0064353Plan #002PY 2020

9101 VANGUARD DRIVE - ANCHORAGE, AK 99507907-522-1707rmconsult.comLinkedIn51-200 employeescivil engineering

Prospect flagsNo flags tripped

How to read this page

Total assets (EOY)

$28.5M

+18.0% from 2019

Total participants

155

+4.7% from 2019

Average account balance

$196,685

+16.4% from 2019

Annual return

14.68%

-5.71 pp from 2019

Benchmarks

See 26,418 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants25-99

Cohort26,418 peers

Snapshot2020

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

Analytics

Total assets (EOY)

Plan-year ending balance

$33.49M

Not enough data

1 years with asset history on file

Average account balance

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

$199K

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.

168

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.

96.9%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.90M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$20K

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

+15.08%

Not enough data

1 years with return on file

Admin fee / account holder

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

$15

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
SG ADVISORS2 years Service code 99 · EIN 82-2963222	Other Fees	$35,740
ALDRICH WEALTH LIMITED PARTNERSHIP3 years Filed as: ALDRICH RETIREMENT SOLUTIONS, LTD Service code 49 680 HAWTHRONE AVE SE · SALEM, OR 97301	Other Services	$8,824

Plan features & details

Pension benefit codes2E2F2G2J2K3D

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.
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

0 tripped

No flags tripped for this filing year. This plan looks clean.

Expense breakdown

Schedule H Part II

Admin total

$1K

$13 / participant

Other / not subdivided$1K100.0%

% of EOY assets

0.004%

all-in expense ratio

Categories reported

0 / 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: PORTER & ALLISON
Auditor EIN: 475223460
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$196,685

$98,776+99.1%

$149,745+31.3%

$79,856+146.3%

Participation rate

89.4%

75.8%+13.6pp

82.5%+6.9pp

69.6%+19.7pp

Annual return

14.68%

27.38%-12.7pp

276.72%-262.0pp

31.71%-17.0pp

Employer contribution / active EE

$5,344

$3,217+66.1%

$4,646+15.0%

$2,471+116.3%

Participant deferral / active EE

$9,487

$5,681+67.0%

$6,843+38.6%

$3,741+153.6%

Admin fee / account holder

$6,053-99.9%

$9,312-99.9%

$5,306-99.8%

Provider

Service type

Compensation

SG ADVISORS2 years

Service code 99 · EIN 82-2963222

Other Fees

$35,740

ALDRICH WEALTH LIMITED PARTNERSHIP3 years

Filed as: ALDRICH RETIREMENT SOLUTIONS, LTD

Service code 49

680 HAWTHRONE AVE SE · SALEM, OR 97301

Other Services

$8,824

R & M CONSULTANTS, INC. PROFIT-SHARING PLAN AND TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

R & M CONSULTANTS, INC. PROFIT-SHARING PLAN AND TRUST

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