Retirement plan

PND ENGINEERS, INC. 401(K) PROFIT SHARING PLAN

Name: PND ENGINEERS, INC. - PND ENGINEERS, INC. 401(K) PROFIT SHARING PLAN (2021) Form 5500
Creator: PND ENGINEERS, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, PND ENGINEERS, INC. 401(K) PROFIT SHARING PLAN, PND ENGINEERS, INC.

PND ENGINEERS, INC.EIN 92-0072819Plan #001PY 2021

1506 W 36TH AVENUE - ANCHORAGE, AK 995033612907-561-1011pndengineers.comLinkedIn51-200 employeescivil engineering

Prospect flagsLow returnsHigh fees

How to read this page

Total assets (EOY)

$37.9M

+18.8% from 2020

Total participants

158

+6.0% from 2020

Average account balance

$240,072

+7.5% from 2020

Annual return

10.23%

+4.38 pp from 2020

Benchmarks

See 27,000 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants25-99

Cohort27,000 peers

Snapshot2021

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

Analytics

Total assets (EOY)

Plan-year ending balance

$43.76M

Not enough data

1 years with asset history on file

Average account balance

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

$222K

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.

197

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.

100.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$3.37M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$28K

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

+8.96%

Not enough data

1 years with return on file

Admin fee / account holder

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

$1350

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 1 by compensation

Provider	Service type	Compensation
UBS FINANCIAL SERVICES INC6+ years Filed as: UBS FINANCIAL SERVICES, INC. Service code 27 · EIN 13-2638166 1285 AVENUE OF THE AMERICAS · NEW YORK, NY 10019	Advisory (Plan)	$179,915

Plan features & details

Pension benefit codes2A2E3D

Plan features

2A
Age/service weighted or new comparability plan
Age/service weighted plan where allocations are based on age service or age and service; or new comparability or similar plan where allocations are based on participant classifications consisting entirely or predominantly of highly compensated employees or the plan provides an additional allocation rate on compensation above a specified threshold that exceeds the permitted disparity limits of Code section 401(l).
2E
Profit-sharing
Profit-sharing plan.
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

2 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.

Expense breakdown

Schedule H Part II

Admin total

$198K

$2181 / participant

Investment mgmt$180K90.6%
Other / not subdivided$19K9.4%

% of EOY assets

0.523%

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: SWALLING & ASSOCIATES, PC
Auditor EIN: 920138439
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$240,072

$105,210+128.2%

$159,487+50.5%

$85,851+179.6%

Participation rate

100.0%

75.8%+24.2pp

82.8%+17.2pp

69.3%+30.7pp

Annual return

10.23%

45.08%-34.8pp

263.71%-253.5pp

318.63%-308.4pp

Employer contribution / active EE

$17,212

$3,319+418.6%

$4,831+256.3%

$2,565+570.9%

Participant deferral / active EE

$5,946-100.0%

$7,354-100.0%

$3,952-100.0%

Admin fee / account holder

$1,256

$6,934-81.9%

$10,804-88.4%

$6,261-79.9%

Provider

Service type

Compensation

UBS FINANCIAL SERVICES INC6+ years

Filed as: UBS FINANCIAL SERVICES, INC.

Service code 27 · EIN 13-2638166

1285 AVENUE OF THE AMERICAS · NEW YORK, NY 10019

Advisory (Plan)

$179,915

PND ENGINEERS, INC. 401(K) PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

PND ENGINEERS, INC. 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