Retirement plan

NORTHWEST AGC CHAPTERS RETIREMENT PLAN

Name: OREGON - COLUMBIA CHAPTER AGC - NORTHWEST AGC CHAPTERS RETIREMENT PLAN (2018) Form 5500
Creator: OREGON - COLUMBIA CHAPTER AGC
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, NORTHWEST AGC CHAPTERS RETIREMENT PLAN, OREGON - COLUMBIA CHAPTER AGC

OREGON - COLUMBIA CHAPTER AGCEIN 93-1059035Plan #002PY 2018

9450 SW COMMERCE CIRCLE - WILSONVILLE, OR 97070800-826-6610orecolneca.orgLinkedIn1-10 employeesconstruction

Prospect flagsLow participationFailed to transmit contributions

How to read this page

Total assets (EOY)

$178.1M

-3.4% from 2017

Total participants

6,837

+7.7% from 2017

Average account balance

$34,158

-12.9% from 2017

Annual return

-5.54%

-23.71 pp from 2017

Benchmarks

See 405 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants1,000-4,999

Cohort405 peers

Snapshot2018

See peer percentile detail. $4.99 for your first month.

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Analytics

Total assets (EOY)

Plan-year ending balance

$328.10M

Not enough data

1 years with asset history on file

Average account balance

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

$48K

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.

6,810

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

$30.13M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$9K

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

+12.74%

Not enough data

1 years with return on file

Admin fee / account holder

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

$129

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

See the 10-year trajectory. $4.99 for your first month.

Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.

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Service providers

Top 6 by compensation

Provider	Service type	Compensation
NORTHWEST PLAN SERVICES, INC.4+ years Filed as: NORTHWEST PLAN SERVICES Service code 13 · EIN 91-2090931 5446 CALIFORNIA AVE SW · SEATTLE, WA 98136	Contract Administrator	$472,658
RELIANT CONSULTING & RESEARCH4+ years Filed as: RELIANT CONSULTING AND RESEARCH Service code 27 · EIN 75-2971473 26623 LINDVOG ROAD NE · KINGSTON, WA 98346	Advisory (Plan)	$80,750
CHARLES SCHWAB & CO., INC.4+ years Filed as: CHARLES SCHWAB TRUST COMPANY Service code 19 · EIN 42-1558009 PO BOX 202770 · AUSTIN, TX 78720	Securities Custodian	$60,654
BARRAN LIEBMAN LLP4+ years Service code 29 · EIN 93-1251627 601 SW 2ND AVENUE 2300 · PORTLAND, OR 972043159	Legal	$54,890
BJORKLUND & MONTPLAISIR4+ years Service code 10 · EIN 93-1015766 9020 SW WASHINGTON SQ RD · PORTLAND, OR 97223	Accounting	$29,734
LUCID ADVISORS, INC.1 year Filed as: LUCID ADVISORS Service code 16 · EIN 91-2050140 2101 FOURTH AVE STE 2130 · SEATTLE, WA 98121	Consulting	$5,800

Plan features & details

Pension benefit codes2E2G2J2K2A

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.
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.

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

$755K

$154 / participant

Contract admin$460K60.9%
Other / not subdivided$295K39.1%

% of EOY assets

0.424%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

The auditor signed off without reservation. This is the cleanest opinion.

Auditor firm: BJORKLUND & MONTPLAISIR
Auditor EIN: 931015766
Audit fees: (not subdivided)
Opinion code: Unqualified

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$34,158

$60,396-43.4%

$83,848-59.3%

$75,289-54.6%

Participation rate

66.9%

80.7%-13.8pp

76.1%-9.2pp

72.4%-5.5pp

Annual return

-5.54%

3.84%-9.4pp

850.88%-856.4pp

-0.04%-5.5pp

Employer contribution / active EE

$2,548

$3,343-23.8%

$3,631-29.8%

$2,405+6.0%

Participant deferral / active EE

$1,818

$2,922-37.8%

$4,082-55.5%

$3,739-51.4%

Admin fee / account holder

$145

$141+2.5%

$5,478-97.4%

$102+41.5%

Provider

Service type

Compensation

NORTHWEST PLAN SERVICES, INC.4+ years

Filed as: NORTHWEST PLAN SERVICES

Service code 13 · EIN 91-2090931

5446 CALIFORNIA AVE SW · SEATTLE, WA 98136

Contract Administrator

$472,658

RELIANT CONSULTING & RESEARCH4+ years

Filed as: RELIANT CONSULTING AND RESEARCH

Service code 27 · EIN 75-2971473

26623 LINDVOG ROAD NE · KINGSTON, WA 98346

Advisory (Plan)

$80,750

CHARLES SCHWAB & CO., INC.4+ years

Filed as: CHARLES SCHWAB TRUST COMPANY

Service code 19 · EIN 42-1558009

PO BOX 202770 · AUSTIN, TX 78720

Securities Custodian

$60,654

BARRAN LIEBMAN LLP4+ years

Service code 29 · EIN 93-1251627

601 SW 2ND AVENUE 2300 · PORTLAND, OR 972043159

Legal

$54,890

BJORKLUND & MONTPLAISIR4+ years

Service code 10 · EIN 93-1015766

9020 SW WASHINGTON SQ RD · PORTLAND, OR 97223

Accounting

$29,734

LUCID ADVISORS, INC.1 year

Filed as: LUCID ADVISORS

Service code 16 · EIN 91-2050140

2101 FOURTH AVE STE 2130 · SEATTLE, WA 98121

Consulting

$5,800

NORTHWEST AGC CHAPTERS RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

NORTHWEST AGC CHAPTERS RETIREMENT 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