Retirement plan

VCA RETIREMENT BENEFIT PLAN

Name: VACAVILLE CHRISTIAN ACADEMY DBA VACAVILLE CHRISTIAN SCHOOL - VCA RETIREMENT BENEFIT PLAN (2022) Form 5500
Creator: VACAVILLE CHRISTIAN ACADEMY DBA VACAVILLE CHRISTIAN SCHOOL
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, VCA RETIREMENT BENEFIT PLAN, VACAVILLE CHRISTIAN ACADEMY DBA VACAVILLE CHRISTIAN SCHOOL

VACAVILLE CHRISTIAN ACADEMY DBA VACAVILLE CHRISTIAN SCHOOLEIN 94-2299082Plan #002PY 2022

1117 DAVIS STREET - VACAVILLE, CA 95687707-446-1776

Prospect flagsLow participationLow employer contribution

How to read this page

Total assets (EOY)

$2.7M

-12.6% from 2021

Total participants

243

-10.3% from 2021

Average account balance

$19,076

-14.4% from 2021

Annual return

-9.93%

-30.31 pp from 2021

Benchmarks

See 1,479 peers

Peer group

Industry61 - Educational Services

Plan typeDefined contribution

Participants100-249

Cohort1,479 peers

Snapshot2022

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

Analytics

Total assets (EOY)

Plan-year ending balance

$3.54M

Not enough data

1 years with asset history on file

Average account balance

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

$12K

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.

291

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.

80.9%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$340K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$2K

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

+14.87%

Not enough data

1 years with return on file

Admin fee / account holder

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

$12

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 1 by compensation

Provider	Service type	Compensation
AMERICAN FUNDS1 year Filed as: CAPITAL GROUP RETIREMENT PLAN Service code 64 SERVICES · IRVINE, CA 92618	Recordkeeping Fees	$0

Plan features & details

Pension benefit codes2E2F2G2K2L2M2T3D

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.
2L
Code section 403(b)(1) arrangement
Plan uses a Code section 403(b)(1) annuity contract as a funding vehicle.
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

2 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityLow employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$3K

$23 / participant

Investment mgmt$3K100.0%

% of EOY assets

0.125%

all-in expense ratio

Categories reported

1 / 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: SD MAYER & ASSOCIATES LLP
Auditor EIN: 461171913
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$19,076

$60,989-68.7%

$60,919-68.7%

$66,949-71.5%

Participation rate

30.3%

74.5%-44.1pp

73.1%-42.8pp

69.8%-39.5pp

Annual return

-9.93%

-9.60%-0.3pp

16.96%-26.9pp

1.57%-11.5pp

Employer contribution / active EE

$131

$2,661-95.1%

$2,704-95.2%

$2,545-94.9%

Participant deferral / active EE

$1,354

$3,615-62.5%

$3,814-64.5%

$4,239-68.1%

Admin fee / account holder

$24

$338-92.9%

$3,228-99.3%

$594-96.0%

Provider

Service type

Compensation

AMERICAN FUNDS1 year

Filed as: CAPITAL GROUP RETIREMENT PLAN

Service code 64

SERVICES · IRVINE, CA 92618

Recordkeeping Fees

VCA RETIREMENT BENEFIT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

VCA RETIREMENT BENEFIT 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