Retirement plan

PACIFIC UNION COMPANY 401(K) RETIREMENT PLAN

Name: PACIFIC UNION COMPANY - PACIFIC UNION COMPANY 401(K) RETIREMENT PLAN (2024) Form 5500
Creator: PACIFIC UNION COMPANY
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, PACIFIC UNION COMPANY 401(K) RETIREMENT PLAN, PACIFIC UNION COMPANY

PACIFIC UNION COMPANYEIN 94-2321747Plan #001PY 2024

1030 MAIN STREET, SUITE 300 - ST. HELENA, CA 94574707-286-1900pacificunionco.comLinkedIn1-10 employeeswine and spirits

Prospect flagsLow participation

How to read this page

Total assets (EOY)

$12.9M

+22.0% from 2023

Total participants

260

+8.3% from 2023

Average account balance

$74,804

+13.5% from 2023

Annual return

12.70%

-2.07 pp from 2023

Benchmarks

See 1,090 peers

Peer group

Industry53 - Real Estate and Rental and Leasing

Plan typeDefined contribution

Participants100-249

Cohort1,090 peers

Snapshot2024

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

Analytics

Total assets (EOY)

Plan-year ending balance

$12.94M

Not enough data

1 years with asset history on file

Average account balance

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

$75K

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.

173

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.

62.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.64M

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

+12.70%

Not enough data

1 years with return on file

Admin fee / account holder

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

$24

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
CBIZ RETIREMENT PLAN SERVICES5 years Filed as: CBIZ INVESTMENT ADVISORY Service code 16 · EIN 81-3968784	Consulting	$29,604
AMERICAN UNITED LIFE INSURANCE CO5 years Service code 15 · EIN 35-0145825	Recordkeeping	$2,449

Plan features & details

Pension benefit codes2E2F2G2J2T3D3H

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.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

1 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.

Expense breakdown

Schedule H Part II

Admin total

$4K

$18 / participant

Recordkeeping$1K26.4%
Contract admin$3K73.6%

% of EOY assets

0.031%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: ELSENER & ELSENER
Auditor EIN: 680038828
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$74,804

$73,532+1.7%

$178,505-58.1%

$74,478+0.4%

Participation rate

62.0%

66.6%-4.6pp

77.1%-15.1pp

67.2%-5.2pp

Annual return

12.70%

17.49%-4.8pp

27.16%-14.5pp

1370.56%-1357.9pp

Employer contribution / active EE

$1,984

$2,221-10.7%

$3,955-49.8%

$2,626-24.5%

Participant deferral / active EE

$5,176

$4,519+14.5%

$6,280-17.6%

$4,350+19.0%

Admin fee / account holder

$24

$1,813-98.7%

$10,428-99.8%

$1,946-98.8%

Provider

Service type

Compensation

CBIZ RETIREMENT PLAN SERVICES5 years

Filed as: CBIZ INVESTMENT ADVISORY

Service code 16 · EIN 81-3968784

Consulting

$29,604

AMERICAN UNITED LIFE INSURANCE CO5 years

Service code 15 · EIN 35-0145825

Recordkeeping

$2,449

PACIFIC UNION COMPANY 401(K) RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

PACIFIC UNION COMPANY 401(K) 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