Retirement plan

COTTON, SHIRES AND ASSOCIATES, INC. PROFIT SHARING PLAN AND TRUST

Name: COTTON, SHIRES AND ASSOCIATES, INC. - COTTON, SHIRES AND ASSOCIATES, INC. PROFIT SHARING PLAN AND TRUST (2018) Form 5500
Creator: COTTON, SHIRES AND ASSOCIATES, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, COTTON, SHIRES AND ASSOCIATES, INC. PROFIT SHARING PLAN AND TRUST, COTTON, SHIRES AND ASSOCIATES, INC.

COTTON, SHIRES AND ASSOCIATES, INC.EIN 94-2246887Plan #001PY 2018

330 VILLAGE LN. - LOS GATOS, CA 95030408-354-5542cottonshires.comLinkedIn11-50 employeescivil engineering

Prospect flagsLow fidelity bond

How to read this page

Total assets (EOY)

$5.4M

-2.0% from 2017

Total participants

+4.2% from 2017

Average account balance

$223,128

-10.1% from 2017

Annual return

-6.53%

-27.33 pp from 2017

Benchmarks

See 38,941 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants<25

Cohort38,941 peers

Snapshot2018

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

Analytics

Total assets (EOY)

Plan-year ending balance

$10.37M

Not enough data

1 years with asset history on file

Average account balance

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

$324K

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.

160.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$313K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$16K

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

+20.96%

Not enough data

1 years with return on file

Admin fee / account holder

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

$8983

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 codes2E2F2G3D2J2T

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

1 tripped

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

$3K

$184 / participant

Other / not subdivided$3K100.0%

% of EOY assets

0.058%

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

$223,128

$97,729+128.3%

$83,830+166.2%

$135,379+64.8%

Participation rate

94.1%

80.0%+14.2pp

76.1%+18.0pp

82.6%+11.5pp

Annual return

-6.53%

1287.52%-1294.0pp

850.97%-857.5pp

519.79%-526.3pp

Employer contribution / active EE

$5,882

$4,222+39.3%

$3,631+62.0%

$4,779+23.1%

Participant deferral / active EE

$8,994

$4,683+92.1%

$4,082+120.3%

$5,609+60.4%

Admin fee / account holder

$130

$6,674-98.1%

$5,479-97.6%

$10,828-98.8%

COTTON, SHIRES AND ASSOCIATES, INC. PROFIT SHARING PLAN AND TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

COTTON, SHIRES AND ASSOCIATES, INC. PROFIT SHARING 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