Retirement plan

HAUGEBERG, RUETER, GOWELL, FREDRICKS & HIGGINS, P.C. 401(K) PLAN

Name: HAUGEBERG, RUETER, GOWELL, FREDRICK - HAUGEBERG, RUETER, GOWELL, FREDRICKS & HIGGINS, P.C. 401(K) PLAN (2017) Form 5500
Creator: HAUGEBERG, RUETER, GOWELL, FREDRICK
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, HAUGEBERG, RUETER, GOWELL, FREDRICKS & HIGGINS, P.C. 401(K) PLAN, HAUGEBERG, RUETER, GOWELL, FREDRICK

HAUGEBERG, RUETER, GOWELL, FREDRICKEIN 93-0674923Plan #002PY 2017

P.O. BOX 480 - MCMINNVILLE, OR 97128503-472-5141

Other plans on this EIN

1 filing

#001Retirement-$90K assets

Prospect flagsHigh feesLow employer contributionLow fidelity bond

How to read this page

Total assets (EOY)

$4.1M

+21.7% from 2016

Total participants

+15.8% from 2016

Average account balance

$196,217

+10.1% from 2016

Annual return

20.75%

+15.02 pp from 2016

Benchmarks

See 114,324 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants<25

Cohort114,324 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$5.41M

Not enough data

1 years with asset history on file

Average account balance

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

$246K

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.

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.

137.5%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$200K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$13K

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

+11.18%

Not enough data

1 years with return on file

Admin fee / account holder

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

$6997

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

0 years with F_SCH_H allocation on file

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

Service providers

Providers data not reported

Schedule C was not filed on this plan's most recent Form 5500, so no compensated service providers are available to display.

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

3 tripped

OpportunityLow employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.
OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
ComplianceLow fidelity bond
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).

Expense breakdown

Schedule H Part II

Admin total

$98K

$5444 / participant

Other / not subdivided$98K100.0%

% of EOY assets

2.378%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

No opinion code on file for this filing.

Auditor firm: (not reported)
Auditor EIN: -
Audit fees: (not subdivided)
Opinion code: -

Metric

This plan

Peer set

Industry

Size

Avg account balance

$196,217

$150,447+30.4%

$136,298+44.0%

$147,586+33.0%

Participation rate

94.4%

84.4%+10.0pp

81.9%+12.5pp

82.8%+11.6pp

Annual return

20.75%

1049.15%-1028.4pp

5156.27%-5135.5pp

578.59%-557.8pp

Employer contribution / active EE

$889

$5,256-83.1%

$4,696-81.1%

$4,876-81.8%

Participant deferral / active EE

$4,808

$6,631-27.5%

$6,247-23.0%

$5,439-11.6%

Admin fee / account holder

$4,666

$10,906-57.2%

$9,244-49.5%

$10,886-57.1%

HAUGEBERG, RUETER, GOWELL, FREDRICKS & HIGGINS, P.C. 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

HAUGEBERG, RUETER, GOWELL, FREDRICKS & HIGGINS, P.C. 401(K) 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