Retirement plan

HART HOWERTON 401 (K) PROFIT SHARING PLAN

Name: HART HOWERTON, LTD. - HART HOWERTON 401 (K) PROFIT SHARING PLAN (2017) Form 5500
Creator: HART HOWERTON, LTD.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, HART HOWERTON 401 (K) PROFIT SHARING PLAN, HART HOWERTON, LTD.

HART HOWERTON, LTD.EIN 94-2787680Plan #001PY 2017

ONE UNION STREET - SAN FRANCISCO, CA 941111222415-439-2200harthowerton.comLinkedIn51-200 employeesarchitecture & planning

Prospect flagsLow employer contributionFailed to transmit contributions

How to read this page

Total assets (EOY)

$18M

+21.9% from 2016

Total participants

168

+2.4% from 2016

Average account balance

$139,272

+27.6% from 2016

Annual return

16.22%

+4.83 pp from 2016

Benchmarks

See 5,160 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants100-249

Cohort5,160 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$42.84M

Not enough data

1 years with asset history on file

Average account balance

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

$130K

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.

329

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.

99.6%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$5.05M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$19K

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

+7.35%

Not enough data

1 years with return on file

Admin fee / account holder

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

$29

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 4 by compensation

Provider	Service type	Compensation
CETERA ADVISOR NETWORKS LLC2+ years Service code 55 200 N. SEPULVEDA BLVD. STE. 1200 · EL SEGUNDO, CA 902455670	Other Commissions	$26,285
PENSION BENEFIT CONSULTANTS2+ years Service code 13 201 4TH STREET · OAKLAND, CA 94607	Contract Administrator	$10,000
MAH & ASSOCIATES, LLP2+ years Service code 10 201 CALIFORNIA ST., SUITE 411 · SAN FRANCISCO, CA 94111	Accounting	$8,000
GREAT-WEST LIFE & ANNUITY INSURANCE2+ years Filed as: EMPOWER RETIREMENT ADVISORY SERVICE Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Investment Management	$5,551

Plan features & details

Pension benefit codes2A2E2F2G2J2T3D

Plan features

2A
Age/service weighted or new comparability plan
Age/service weighted plan where allocations are based on age service or age and service; or new comparability or similar plan where allocations are based on participant classifications consisting entirely or predominantly of highly compensated employees or the plan provides an additional allocation rate on compensation above a specified threshold that exceeds the permitted disparity limits of Code section 401(l).
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

2 tripped

OpportunityLow employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.
ComplianceFailed to transmit contributions
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).

Expense breakdown

Schedule H Part II

Admin total

$14K

$101 / participant

Contract admin$2K13.9%
Other / not subdivided$12K86.1%

% of EOY assets

0.080%

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: MAH & ASSOCIATES, LLP
Auditor EIN: 943342694
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$139,272

$80,753+72.5%

$136,298+2.2%

$62,293+123.6%

Participation rate

72.7%

73.5%-0.8pp

81.9%-9.2pp

69.5%+3.2pp

Annual return

16.22%

35.83%-19.6pp

5156.27%-5140.0pp

28.90%-12.7pp

Employer contribution / active EE

$2,884-100.0%

$4,696-100.0%

$2,042-100.0%

Participant deferral / active EE

$6,841

$5,164+32.5%

$6,247+9.5%

$3,169+115.9%

Admin fee / account holder

$112

$525-78.8%

$9,244-98.8%

$479-76.7%

Provider

Service type

Compensation

CETERA ADVISOR NETWORKS LLC2+ years

Service code 55

200 N. SEPULVEDA BLVD. STE. 1200 · EL SEGUNDO, CA 902455670

Other Commissions

$26,285

PENSION BENEFIT CONSULTANTS2+ years

Service code 13

201 4TH STREET · OAKLAND, CA 94607

Contract Administrator

$10,000

MAH & ASSOCIATES, LLP2+ years

Service code 10

201 CALIFORNIA ST., SUITE 411 · SAN FRANCISCO, CA 94111

Accounting

$8,000

GREAT-WEST LIFE & ANNUITY INSURANCE2+ years

Filed as: EMPOWER RETIREMENT ADVISORY SERVICE

Service code 28

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Investment Management

$5,551

HART HOWERTON 401 (K) PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

HART HOWERTON 401 (K) PROFIT SHARING 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