Retirement plan

KAIROS 401(K) PROFIT SHARING PLAN

Name: KAIROS NORTHWEST - KAIROS 401(K) PROFIT SHARING PLAN (2018) Form 5500
Creator: KAIROS NORTHWEST
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, KAIROS 401(K) PROFIT SHARING PLAN, KAIROS NORTHWEST

KAIROS NORTHWESTEIN 93-0686923Plan #001PY 2018

1750-A NEBRASKA AVE - GRANTS PASS, OR 97527541-956-4943

Prospect flagsLow returnsLow assets / participantCorrective distributions

How to read this page

Total assets (EOY)

$2.2M

-4.5% from 2017

Total participants

216

-4.4% from 2017

Average account balance

$12,035

-20.6% from 2017

Annual return

-7.60%

-20.81 pp from 2017

Benchmarks

See 5,259 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants100-249

Cohort5,259 peers

Snapshot2018

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

Analytics

Total assets (EOY)

Plan-year ending balance

$2.55M

Not enough data

1 years with asset history on file

Average account balance

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

$23K

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.

113

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.

73.9%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$327K

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

+12.90%

Not enough data

1 years with return on file

Admin fee / account holder

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

$36

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
EDWARD JONES1 year Filed as: EDWARD D JONES & CO, L.P. Service code 26 · EIN 43-0345811 12555 MANCHESTER RD · ST LOUIS, MO 63131	Advisory (Participants)	$9,222
JOHN HANCOCK LIFE INSURANCE COMPANY3 years Filed as: JOHN HANCOCK LIFE INSURANCE CO Service code 15 · EIN 01-0233346 PO BOX 600 · BUFFALO, NY 142010600	Recordkeeping	$5,031

Plan features & details

Pension benefit codes2E2G2J2K2T3D

Plan features

2E
Profit-sharing
Profit-sharing plan.
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.
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.
OpportunityLow assets / participant
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$3K

$21 / participant

Contract admin$3K74.5%
Other / not subdivided$86525.5%

% of EOY assets

0.153%

all-in expense ratio

Categories reported

1 / 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: M PETERSON LLC
Auditor EIN: 272832937
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$12,035

$47,977-74.9%

$154,108-92.2%

$56,289-78.6%

Participation rate

79.9%

66.2%+13.7pp

83.0%-3.2pp

69.9%+10.0pp

Annual return

-7.60%

3.54%-11.1pp

735.21%-742.8pp

-9.96%+2.4pp

Employer contribution / active EE

$1,661

$2,169-23.4%

$5,298-68.6%

$2,111-21.3%

Participant deferral / active EE

$1,326

$2,392-44.6%

$5,081-73.9%

$3,350-60.4%

Admin fee / account holder

$18

$438-95.8%

$13,411-99.9%

$521-96.5%

Provider

Service type

Compensation

EDWARD JONES1 year

Filed as: EDWARD D JONES & CO, L.P.

Service code 26 · EIN 43-0345811

12555 MANCHESTER RD · ST LOUIS, MO 63131

Advisory (Participants)

$9,222

JOHN HANCOCK LIFE INSURANCE COMPANY3 years

Filed as: JOHN HANCOCK LIFE INSURANCE CO

Service code 15 · EIN 01-0233346

PO BOX 600 · BUFFALO, NY 142010600

Recordkeeping

$5,031

KAIROS 401(K) PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

KAIROS 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