Retirement plan

SPOTT, LUCEY & WALL, INC. CPA'S 401(K) PLAN

Name: SPOTT, LUCEY & WALL, INC. CPAS - SPOTT, LUCEY & WALL, INC. CPA'S 401(K) PLAN (2018) Form 5500
Creator: SPOTT, LUCEY & WALL, INC. CPAS
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, SPOTT, LUCEY & WALL, INC. CPA'S 401(K) PLAN, SPOTT, LUCEY & WALL, INC. CPAS

SPOTT, LUCEY & WALL, INC. CPASEIN 94-3172219Plan #001PY 2018

601 MONTGOMERY STREET, SUITE 1400 - SAN FRANCISCO, CA 94111415-217-6900

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$5.3M

+0.2% from 2017

Total participants

+12.0% from 2017

Average account balance

$195,518

-7.3% from 2017

Annual return

-8.22%

-24.36 pp from 2017

Benchmarks

See 116,760 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants<25

Cohort116,760 peers

Snapshot2018

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

Analytics

Total assets (EOY)

Plan-year ending balance

$13.36M

Not enough data

1 years with asset history on file

Average account balance

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

$431K

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.

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.

134.8%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$787K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$34K

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

+18.94%

Not enough data

1 years with return on file

Admin fee / account holder

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

$6026

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

0 years with F_SCH_H allocation on file

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

Service providers

Providers data not reported

Schedule C was not filed on this plan's most recent Form 5500, so no compensated service providers are available to display.

Plan features & details

Pension benefit codes2E2F2G2J3D

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.
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

1 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)

Expense breakdown

Schedule H Part II

Admin total

$63K

$2608 / participant

Other / not subdivided$63K100.0%

% of EOY assets

1.186%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

No opinion code on file for this filing.

Auditor firm: (not reported)
Auditor EIN: -
Audit fees: (not subdivided)
Opinion code: -

Metric

This plan

Peer set

Industry

Size

Avg account balance

$195,518

$138,072+41.6%

$123,549+58.3%

$135,382+44.4%

Participation rate

95.8%

84.7%+11.1pp

82.3%+13.5pp

82.6%+13.2pp

Annual return

-8.22%

153.69%-161.9pp

119.20%-127.4pp

519.77%-528.0pp

Employer contribution / active EE

$10,625

$5,152+106.2%

$4,628+129.6%

$4,779+122.3%

Participant deferral / active EE

$8,974

$6,799+32.0%

$6,426+39.7%

$5,609+60.0%

Admin fee / account holder

$2,318

$10,917-78.8%

$9,284-75.0%

$10,829-78.6%

SPOTT, LUCEY & WALL, INC. CPA'S 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

SPOTT, LUCEY & WALL, INC. CPA'S 401(K) 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