Retirement plan

PACIFIC UNION COMPANY 401(K) RETIREMENT PLAN

Name: PACIFIC UNION COMPANY - PACIFIC UNION COMPANY 401(K) RETIREMENT PLAN (2023) 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 2023

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

Prospect flagsLow returnsLow participation

How to read this page

Total assets (EOY)

$10.6M

+27.1% from 2022

Total participants

240

+19.4% from 2022

Average account balance

$65,893

+9.0% from 2022

Annual return

14.77%

+28.88 pp from 2022

Benchmarks

See 1,068 peers

Peer group

Industry53 - Real Estate and Rental and Leasing

Plan typeDefined contribution

Participants100-249

Cohort1,068 peers

Snapshot2023

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 SERVICES4 years Filed as: CBIZ INVESTMENT ADVISORY Service code 16 · EIN 81-3968784	Consulting	$23,410
AMERICAN UNITED LIFE INSURANCE CO4 years Service code 15 · EIN 35-0145825	Recordkeeping	$2,166

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

2 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$2K

$9 / participant

Contract admin$2K100.0%

% of EOY assets

0.018%

all-in expense ratio

Categories reported

1 / 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

$65,893

$65,428+0.7%

$169,390-61.1%

$71,511-7.9%

Participation rate

62.4%

66.9%-4.5pp

77.2%-14.8pp

67.9%-5.6pp

Annual return

14.77%

21.35%-6.6pp

406.07%-391.3pp

28.86%-14.1pp

Employer contribution / active EE

$1,662

$2,064-19.5%

$4,013-58.6%

$2,589-35.8%

Participant deferral / active EE

$4,440

$4,360+1.9%

$6,222-28.6%

$4,291+3.5%

Admin fee / account holder

$12

$1,328-99.1%

$9,015-99.9%

$1,588-99.3%

Provider

Service type

Compensation

CBIZ RETIREMENT PLAN SERVICES4 years

Filed as: CBIZ INVESTMENT ADVISORY

Service code 16 · EIN 81-3968784

Consulting

$23,410

AMERICAN UNITED LIFE INSURANCE CO4 years

Service code 15 · EIN 35-0145825

Recordkeeping

$2,166

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