Retirement plan

JEWISH COMMUNITY FEDERATION 403(B) PLAN

Name: JEWISH COMMUNITY FEDERATION OF SAN FRANCISCO, THE PENINSULA, MARIN AND - JEWISH COMMUNITY FEDERATION 403(B) PLAN (2021) Form 5500
Creator: JEWISH COMMUNITY FEDERATION OF SAN FRANCISCO, THE PENINSULA, MARIN AND
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, JEWISH COMMUNITY FEDERATION 403(B) PLAN, JEWISH COMMUNITY FEDERATION OF SAN FRANCISCO, THE PENINSULA, MARIN AND

JEWISH COMMUNITY FEDERATION OF SAN FRANCISCO, THE PENINSULA, MARIN ANDEIN 94-1156533Plan #002PY 2021

121 STEUART STREET - SAN FRANCISCO, CA 94105415-777-0411

Prospect flagsHigh fees

Top hat statement on fileNQDC

Filed April 30, 2008 (most recent of 2 filings on file)

This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.

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Total assets (EOY)

$14.1M

+16.9% from 2020

Total participants

177

+1.1% from 2020

Average account balance

$79,640

+15.5% from 2020

Annual return

17.51%

+1.69 pp from 2020

Benchmarks

See 1,683 peers

Peer group

Industry81 - Other Services (except Public Administration)

Plan typeDefined contribution

Participants100-249

Cohort1,683 peers

Snapshot2021

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Analytics

Total assets (EOY)

Plan-year ending balance

$15.69M

Not enough data

1 years with asset history on file

Average account balance

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

$93K

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.

168

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.

99.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.23M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$12K

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

+15.35%

Not enough data

1 years with return on file

Admin fee / account holder

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

$446

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 3 by compensation

Provider	Service type	Compensation
PRIMARK BENEFITS7+ years Service code 13 · EIN 94-2320862 1810 GATEWAY DRIVE, SUITE 230 · SAN MATEO, CA 94404	Contract Administrator	$43,664
GLOBAL RETIREMENT PARTNERS LLC6 years Filed as: GLOBAL RETIREMENT PARTNERS Service code 27 · EIN 47-1411118 4340 REDWOOD HIGHWAY · SAN RAFAEL, CA 94903	Advisory (Plan)	$12,581
CHARLES SCHWAB & CO., INC.4 years Filed as: CHARLES SCHWAB Service code 25 · EIN 42-1558009 211 MAIN ST · SAN FRANCISCO, CA 94105	Directed Trustee	$5,276

Plan features & details

Pension benefit codes2A2E2F2G2J2M2T3D

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.
2M
Code section 403(b)(7) accounts
Plan uses Code section 403(b)(7) custodial accounts as a funding vehicle.
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

1 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)

Expense breakdown

Schedule H Part II

Admin total

$66K

$657 / participant

Investment mgmt$13K19.1%
Contract admin$53K80.8%
Other / not subdivided$560.1%

% of EOY assets

0.466%

all-in expense ratio

Categories reported

2 / 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: ARMANINO LLP
Auditor EIN: 946214841
Audit fees: (not subdivided)
Opinion code: Unqualified

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$79,640

$63,745+24.9%

$98,442-19.1%

$79,386+0.3%

Participation rate

100.0%

69.9%+30.1pp

73.3%+26.7pp

70.7%+29.3pp

Annual return

17.51%

625.80%-608.3pp

1492.73%-1475.2pp

116.85%-99.3pp

Employer contribution / active EE

$3,172

$2,557+24.0%

$2,960+7.2%

$2,427+30.7%

Participant deferral / active EE

$8,038

$3,303+143.3%

$4,276+88.0%

$4,046+98.7%

Admin fee / account holder

$371

$516-28.0%

$5,949-93.8%

$626-40.7%

Provider

Service type

Compensation

PRIMARK BENEFITS7+ years

Service code 13 · EIN 94-2320862

1810 GATEWAY DRIVE, SUITE 230 · SAN MATEO, CA 94404

Contract Administrator

$43,664

GLOBAL RETIREMENT PARTNERS LLC6 years

Filed as: GLOBAL RETIREMENT PARTNERS

Service code 27 · EIN 47-1411118

4340 REDWOOD HIGHWAY · SAN RAFAEL, CA 94903

Advisory (Plan)

$12,581

CHARLES SCHWAB & CO., INC.4 years

Filed as: CHARLES SCHWAB

Service code 25 · EIN 42-1558009

211 MAIN ST · SAN FRANCISCO, CA 94105

Directed Trustee

$5,276

JEWISH COMMUNITY FEDERATION 403(B) PLAN

Top hat statement on fileNQDC

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

JEWISH COMMUNITY FEDERATION 403(B) PLAN

Top hat statement on fileNQDC

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