Retirement plan

UNITED CEREBRAL PALSY OF THE NORTH BAY, INC. RETIREMENT PLAN

Name: UNITED CEREBRAL PALSY OF THE NORTH BAY, INC. - UNITED CEREBRAL PALSY OF THE NORTH BAY, INC. RETIREMENT PLAN (2015) Form 5500
Creator: UNITED CEREBRAL PALSY OF THE NORTH BAY, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, UNITED CEREBRAL PALSY OF THE NORTH BAY, INC. RETIREMENT PLAN, UNITED CEREBRAL PALSY OF THE NORTH BAY, INC.

UNITED CEREBRAL PALSY OF THE NORTH BAY, INC.EIN 94-2284940Plan #001PY 2015

3835 CYPRESS DRIVE, SUITE 103 - PETALUMA, CA 95954707-766-9990ucpnb.orgLinkedIn51-200 employeesnon-profit organization management

Prospect flagsLow returnsLow assets / participantLow fidelity bond

How to read this page

Total assets (EOY)

$2.4M

No prior year

Total participants

254

No prior year

Average account balance

$10,386

No prior year

Annual return

-4.13%

No prior year

Benchmarks

See 953 peers

Peer group

Industry61 - Educational Services

Plan typeDefined contribution

Participants100-249

Cohort953 peers

Snapshot2015

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

Analytics

Total assets (EOY)

Plan-year ending balance

$8.59M

Not enough data

1 years with asset history on file

Average account balance

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

$26K

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.

332

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.

57.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$947K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$4K

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

+10.33%

Not enough data

1 years with return on file

Admin fee / account holder

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

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
NATIONWIDE1+ years Service code 15 ONE NATIONWIDE PLAZA · COLUMBUS, OH 43215	Recordkeeping	$12,718
CAMBRIDGE INVESTMENT RESEARCH1+ years Service code 52 1776 PLEASANT PLAIN RD · FAIRFIELD, IA 52556	Indirect Investment Fees	$0

Plan features & details

Pension benefit codes2E2F2G2K2M3D

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

$14K

$79 / participant

Other / not subdivided$14K100.0%

% of EOY assets

0.572%

all-in expense ratio

Categories reported

0 / 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: COUGHLAN NAPA CPA COMPANY, INC.
Auditor EIN: 460942208
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$10,386

$51,769-79.9%

$57,356-81.9%

$52,331-80.2%

Participation rate

89.3%

75.2%+14.0pp

75.1%+14.2pp

68.1%+21.2pp

Annual return

-4.13%

2.43%-6.6pp

24.41%-28.5pp

4.54%-8.7pp

Employer contribution / active EE

$871

$2,335-62.7%

$2,689-67.6%

$1,882-53.7%

Participant deferral / active EE

$2,407

$2,794-13.9%

$3,162-23.9%

$3,022-20.4%

Admin fee / account holder

$59

$295-79.8%

$3,357-98.2%

$592-89.9%

Provider

Service type

Compensation

NATIONWIDE1+ years

Service code 15

ONE NATIONWIDE PLAZA · COLUMBUS, OH 43215

Recordkeeping

$12,718

CAMBRIDGE INVESTMENT RESEARCH1+ years

Service code 52

1776 PLEASANT PLAIN RD · FAIRFIELD, IA 52556

Indirect Investment Fees

UNITED CEREBRAL PALSY OF THE NORTH BAY, INC. RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

UNITED CEREBRAL PALSY OF THE NORTH BAY, INC. 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