Retirement plan

C.A.T. RETIREMENT AND SAVINGS PLAN

Name: COMMUNITY ACTION TEAM, INC. - C.A.T. RETIREMENT AND SAVINGS PLAN (2023) Form 5500
Creator: COMMUNITY ACTION TEAM, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, C.A.T. RETIREMENT AND SAVINGS PLAN, COMMUNITY ACTION TEAM, INC.

COMMUNITY ACTION TEAM, INC.EIN 93-0554156Plan #002PY 2023

124 N 18TH ST. - ST. HELENS, OR 97051503-366-6570LinkedIn51-200 employeesindividual & family services

Prospect flagsLow returnsLow fidelity bondFailed to transmit contributions

How to read this page

Total assets (EOY)

$4.5M

+22.4% from 2022

Total participants

181

+13.8% from 2022

Average account balance

$30,793

+10.7% from 2022

Annual return

12.59%

+23.54 pp from 2022

Benchmarks

See 5,703 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants100-249

Cohort5,703 peers

Snapshot2023

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

Analytics

Total assets (EOY)

Plan-year ending balance

$5.20M

Not enough data

1 years with asset history on file

Average account balance

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

$32K

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.

163

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.

83.6%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$592K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$4K

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

+9.67%

Not enough data

1 years with return on file

Admin fee / account holder

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

$201

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 2 by compensation

Provider	Service type	Compensation
STANCORP FINANCIAL GROUP1 year Filed as: STANCORP FINANCIAL Service code 12 · EIN 93-1253576 1100 SW SIXTH AVENUE · PORTLAND, OR 97204	Recordkeeping and information managem...	$27,996
PRIME PENSIONS NORTHWEST, LLC2 years Service code 49 · EIN 87-3599091 1600 VALLEY RIVER DRIVE, STE 340 · EUGENE, OH 97401	Other Services	$0

Plan features & details

Pension benefit codes2A2E2J2F2G3D2T

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.
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

3 tripped

OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
ComplianceLow fidelity bond
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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

$28K

$199 / participant

Investment mgmt$27K94.8%
Contract admin$1K5.2%

% of EOY assets

0.618%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: JONES & ROTH P.C.
Auditor EIN: 930819646
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$30,793

$61,391-49.8%

$149,723-79.4%

$71,529-56.9%

Participation rate

75.9%

62.5%+13.4pp

78.8%-2.9pp

67.9%+8.0pp

Annual return

12.59%

35.88%-23.3pp

134.50%-121.9pp

28.97%-16.4pp

Employer contribution / active EE

$1,801

$2,384-24.4%

$4,821-62.6%

$2,590-30.4%

Participant deferral / active EE

$1,693

$2,921-42.0%

$5,682-70.2%

$4,291-60.6%

Admin fee / account holder

$190

$1,264-84.9%

$13,215-98.6%

$1,588-88.0%

Provider

Service type

Compensation

STANCORP FINANCIAL GROUP1 year

Filed as: STANCORP FINANCIAL

Service code 12 · EIN 93-1253576

1100 SW SIXTH AVENUE · PORTLAND, OR 97204

Recordkeeping and information managem...

$27,996

PRIME PENSIONS NORTHWEST, LLC2 years

Service code 49 · EIN 87-3599091

1600 VALLEY RIVER DRIVE, STE 340 · EUGENE, OH 97401

Other Services

C.A.T. RETIREMENT AND SAVINGS PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

C.A.T. RETIREMENT AND SAVINGS 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