Retirement plan

MACKAY & SOMPS PROFIT SHARING PLAN AND TRUST

Name: MACKAY & SOMPS CIVIL ENGINEERS, INC. - MACKAY & SOMPS PROFIT SHARING PLAN AND TRUST (2016) Form 5500
Creator: MACKAY & SOMPS CIVIL ENGINEERS, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, MACKAY & SOMPS PROFIT SHARING PLAN AND TRUST, MACKAY & SOMPS CIVIL ENGINEERS, INC.

MACKAY & SOMPS CIVIL ENGINEERS, INC.EIN 94-2377392Plan #002PY 2016

5142 FRANKLIN DRIVE, SUITE C - PLEASANTON, CA 945883355925-416-1790msce.comLinkedIn51-200 employeescivil engineering

Prospect flagsNo flags tripped

How to read this page

Total assets (EOY)

$28.7M

+10.4% from 2015

Total participants

142

-2.7% from 2015

Average account balance

$203,270

+14.4% from 2015

Annual return

9.38%

+9.31 pp from 2015

Benchmarks

See 24,581 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants25-99

Cohort24,581 peers

Snapshot2016

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

Analytics

Total assets (EOY)

Plan-year ending balance

$68.08M

Not enough data

1 years with asset history on file

Average account balance

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

$434K

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.

157

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.

98.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$2.20M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$22K

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

+12.96%

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 1 by compensation

Provider	Service type	Compensation
THE VANGUARD GROUP, INC.2+ years Service code 15 · EIN 23-1945930	Recordkeeping	$2,295

Plan features & details

Pension benefit codes2E2F2G2J2T3D

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

0 tripped

No flags tripped for this filing year. This plan looks clean.

Expense breakdown

Schedule H Part II

Admin total

$2K

$22 / participant

Other / not subdivided$2K100.0%

% of EOY assets

0.007%

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: BOITANO, SARGENT, & LILLY, LLP
Auditor EIN: 942186228
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$203,270

$76,551+165.5%

$123,894+64.1%

$62,881+223.3%

Participation rate

98.9%

73.0%+26.0pp

81.4%+17.5pp

69.3%+29.6pp

Annual return

9.38%

18.68%-9.3pp

47.52%-38.1pp

20.14%-10.8pp

Employer contribution / active EE

$6,229

$2,882+116.1%

$4,617+34.9%

$2,281+173.1%

Participant deferral / active EE

$10,762

$4,840+122.4%

$5,984+79.8%

$3,203+236.0%

Admin fee / account holder

$15

$4,826-99.7%

$8,357-99.8%

$4,296-99.6%

Provider

Service type

Compensation

THE VANGUARD GROUP, INC.2+ years

Service code 15 · EIN 23-1945930

Recordkeeping

$2,295

MACKAY & SOMPS PROFIT SHARING PLAN AND TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

MACKAY & SOMPS 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