Retirement plan

UDELHOVEN 401(K) PLAN & TRUST

Name: HARDING HOLDINGS, INC. - UDELHOVEN 401(K) PLAN & TRUST (2019) Form 5500
Creator: HARDING HOLDINGS, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, UDELHOVEN 401(K) PLAN & TRUST, HARDING HOLDINGS, INC.

HARDING HOLDINGS, INC.EIN 92-0110209Plan #001PY 2019

184 EAST 53RD AVENUE - ANCHORAGE, AK 995181222907-344-1577

Prospect flagsLow participationFailed to transmit contributions

How to read this page

Total assets (EOY)

$14.6M

-0.5% from 2018

Total participants

467

-0.4% from 2018

Average account balance

$59,162

+0.7% from 2018

Annual return

19.07%

+23.64 pp from 2018

Benchmarks

See 1,258 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants250-999

Cohort1,258 peers

Snapshot2019

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

Analytics

Total assets (EOY)

Plan-year ending balance

$14.23M

Not enough data

1 years with asset history on file

Average account balance

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

$110K

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.

129

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.

17.8%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$704K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$3K

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

+16.45%

Not enough data

1 years with return on file

Admin fee / account holder

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

$718

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 ADVISORS1 year Service code 26 · EIN 82-2963222 471 WEST 36TH AVE, STE 202 · ANCHORAGE, AK 995035853	Advisory (Participants)	$5,994
JOHN HANCOCK LIFE INSURANCE COMPANY3 years Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346	Recordkeeping	$0

Plan features & details

Pension benefit codes2E2F2G2J2T3D

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.
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.

Opportunity flags

2 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
ComplianceFailed to transmit contributions
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).

Expense breakdown

Schedule H Part II

Admin total

$18K

$56 / participant

Other / not subdivided$18K100.0%

% of EOY assets

0.124%

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: THE BRANDON SKINNER GROUP, P.C.
Auditor EIN: 920085179
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$59,162

$66,601-11.2%

$92,903-36.3%

$67,579-12.5%

Participation rate

31.9%

72.5%-40.6pp

76.0%-44.1pp

71.3%-39.4pp

Annual return

19.07%

92.58%-73.5pp

109.43%-90.4pp

378.56%-359.5pp

Employer contribution / active EE

$2,775-100.0%

$3,653-100.0%

$2,148-100.0%

Participant deferral / active EE

$4,058

$3,157+28.5%

$4,238-4.2%

$3,539+14.6%

Admin fee / account holder

$73

$199-63.1%

$5,795-98.7%

$142-48.4%

Provider

Service type

Compensation

SG ADVISORS1 year

Service code 26 · EIN 82-2963222

471 WEST 36TH AVE, STE 202 · ANCHORAGE, AK 995035853

Advisory (Participants)

$5,994

JOHN HANCOCK LIFE INSURANCE COMPANY3 years

Filed as: JOHN HANCOCK

Service code 15 · EIN 01-0233346

Recordkeeping

UDELHOVEN 401(K) PLAN & TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

UDELHOVEN 401(K) PLAN & 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