Retirement plan

CLEMENTINA-CLEMCO GROUP 401(K) PROFIT SHARING PLAN & TRUST

Name: CLEMENTINA-CLEMCO HOLDINGS - CLEMENTINA-CLEMCO GROUP 401(K) PROFIT SHARING PLAN & TRUST (2015) Form 5500
Creator: CLEMENTINA-CLEMCO HOLDINGS
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CLEMENTINA-CLEMCO GROUP 401(K) PROFIT SHARING PLAN & TRUST, CLEMENTINA-CLEMCO HOLDINGS

CLEMENTINA-CLEMCO HOLDINGSEIN 94-3256223Plan #006PY 2015

445 BUSH STREET, 9TH FLOOR - SAN FRANCISCO, CA 941083730415-296-8400clementinacleholhq.mfgpages.comLinkedIn51-200 employees

Prospect flagsHigh feesCorrective distributions

How to read this page

Total assets (EOY)

$20.6M

No prior year

Total participants

169

No prior year

Average account balance

$124,063

No prior year

Annual return

-0.59%

No prior year

Benchmarks

See 855 peers

Peer group

Industry53 - Real Estate and Rental and Leasing

Plan typeDefined contribution

Participants100-249

Cohort855 peers

Snapshot2015

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

Analytics

Total assets (EOY)

Plan-year ending balance

$16.38M

Not enough data

1 years with asset history on file

Average account balance

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

$108K

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.

152

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.

91.1%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.13M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$8K

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

+13.22%

Not enough data

1 years with return on file

Admin fee / account holder

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

$479

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 6 by compensation

Provider	Service type	Compensation
EMERY HOWARD PORTFOLIO MANAGEMENT1+ years Service code 28 · EIN 94-3383736	Investment Management	$96,199
CHARLES SCHWAB & CO., INC.1+ years Filed as: SCHWAB RETIREMENT PLAN SERVICES Service code 15 · EIN 34-1479833	Recordkeeping	$18,404
LAUTZE & LAUTZE1+ years Service code 10 · EIN 94-2513310	Accounting	$17,500
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB & CO INC & AFFILIATE Service code 59	Shareholder Servicing	$0
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB & CO. Service code 59 · EIN 94-1737782	Shareholder Servicing	$0
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB BANK Service code 25 · EIN 42-1558009	Directed Trustee	$0

Plan features & details

Pension benefit codes2E2F2G2J2K3D3H2T

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.
2K
Code section 401(m) arrangement
Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
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

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$132K

$917 / participant

Investment mgmt$96K72.8%
Other / not subdivided$36K27.2%

% of EOY assets

0.641%

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: MARCUM LLP
Auditor EIN: 111986323
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$124,063

$45,283+174.0%

$155,789-20.4%

$52,331+137.1%

Participation rate

97.9%

62.2%+35.7pp

76.1%+21.8pp

68.1%+29.8pp

Annual return

-0.59%

1.80%-2.4pp

71.54%-72.1pp

4.54%-5.1pp

Employer contribution / active EE

$4,108

$1,329+209.2%

$3,839+7.0%

$1,882+118.3%

Participant deferral / active EE

$5,412

$2,854+89.6%

$4,798+12.8%

$3,022+79.1%

Admin fee / account holder

$796

$981-18.9%

$7,477-89.4%

$592+34.5%

Provider

Service type

Compensation

EMERY HOWARD PORTFOLIO MANAGEMENT1+ years

Service code 28 · EIN 94-3383736

Investment Management

$96,199

CHARLES SCHWAB & CO., INC.1+ years

Filed as: SCHWAB RETIREMENT PLAN SERVICES

Service code 15 · EIN 34-1479833

Recordkeeping

$18,404

LAUTZE & LAUTZE1+ years

Service code 10 · EIN 94-2513310

Accounting

$17,500

CHARLES SCHWAB & CO., INC.1+ years

Filed as: CHARLES SCHWAB & CO INC & AFFILIATE

Service code 59

Shareholder Servicing

CHARLES SCHWAB & CO., INC.1+ years

Filed as: CHARLES SCHWAB & CO.

Service code 59 · EIN 94-1737782

Shareholder Servicing

CHARLES SCHWAB & CO., INC.1+ years

Filed as: CHARLES SCHWAB BANK

Service code 25 · EIN 42-1558009

Directed Trustee

CLEMENTINA-CLEMCO GROUP 401(K) PROFIT SHARING PLAN & TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CLEMENTINA-CLEMCO GROUP 401(K) PROFIT SHARING PLAN & 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