Retirement plan

KAIPERM DIABLO FEDERAL CREDIT UNION 401(K) PLAN AND TRUST

Name: KAIPERM DIABLO FEDERAL CREDIT UNION - KAIPERM DIABLO FEDERAL CREDIT UNION 401(K) PLAN AND TRUST (2017) Form 5500
Creator: KAIPERM DIABLO FEDERAL CREDIT UNION
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, KAIPERM DIABLO FEDERAL CREDIT UNION 401(K) PLAN AND TRUST, KAIPERM DIABLO FEDERAL CREDIT UNION

KAIPERM DIABLO FEDERAL CREDIT UNIONEIN 94-1437566Plan #001PY 2017

PO BOX 4156 - WALNUT CREEK, CA 945960156925-939-5626

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$1.6M

+17.6% from 2016

Total participants

0.0% from 2016

Average account balance

$100,031

+2.9% from 2016

Annual return

15.37%

+8.05 pp from 2016

Benchmarks

See 30,802 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants<25

Cohort30,802 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$1.89M

Not enough data

1 years with asset history on file

Average account balance

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

$82K

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.

176.9%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$89K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$7K

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

+10.23%

Not enough data

1 years with return on file

Admin fee / account holder

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

$16497

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 codes2F2G3D2J2E

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.
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

$45K

$4947 / participant

Other / not subdivided$45K100.0%

% of EOY assets

2.782%

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

$100,031

$171,867-41.8%

$149,716-33.2%

$147,585-32.2%

Participation rate

77.8%

88.2%-10.4pp

87.1%-9.3pp

82.8%-5.1pp

Annual return

15.37%

2113.36%-2098.0pp

1501.67%-1486.3pp

578.58%-563.2pp

Employer contribution / active EE

$5,571

$6,275-11.2%

$5,444+2.3%

$4,876+14.3%

Participant deferral / active EE

$2,614

$7,270-64.0%

$6,568-60.2%

$5,439-51.9%

Admin fee / account holder

$2,783

$13,799-79.8%

$11,282-75.3%

$10,886-74.4%

KAIPERM DIABLO FEDERAL CREDIT UNION 401(K) PLAN AND TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

KAIPERM DIABLO FEDERAL CREDIT UNION 401(K) PLAN AND TRUST

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