Retirement plan

DAVIS FOOD CO-OP EMPLOYEES 401K

Name: DAVIS FOOD CO-OP - DAVIS FOOD CO-OP EMPLOYEES 401K (2016) Form 5500
Creator: DAVIS FOOD CO-OP
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, DAVIS FOOD CO-OP EMPLOYEES 401K, DAVIS FOOD CO-OP

DAVIS FOOD CO-OPEIN 94-6425287Plan #001PY 2016

620 G ST - DAVIS, CA 95616530-758-2667davisfood.coopLinkedIn51-200 employeessupermarkets

Prospect flagsLow participationLow participant contribution

How to read this page

Total assets (EOY)

$2.2M

-10.6% from 2015

Total participants

145

+5.1% from 2015

Average account balance

$40,110

-0.7% from 2015

Annual return

7.30%

+8.69 pp from 2015

Benchmarks

See 2,356 peers

Peer group

Industry44 - Retail Trade

Plan typeDefined contribution

Participants100-249

Cohort2,356 peers

Snapshot2016

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

Analytics

Total assets (EOY)

Plan-year ending balance

Not enough data

1 years with asset history on file

Average account balance

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

Not enough data

0 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

Not enough data

0 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

Not enough data

0 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$20K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

Not enough data

0 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

-69.50%

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

0 years with F_SCH_H allocation on file

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

Service providers

Top 3 by compensation

Provider	Service type	Compensation
MERRILL LYNCH PIERCE FENNER & SMITH2+ years Service code 52 · EIN 13-5674085	Indirect Investment Fees	$16,487
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745	Recordkeeping	$525
ADP BROKER-DEALER2+ years Service code 49 · EIN 22-3319984	Other Services	$0

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

2 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$525

$5 / participant

Other / not subdivided$525100.0%

% of EOY assets

0.024%

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: CAMPBELL TAYLOR & COMPANY
Auditor EIN: 680251243
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$40,110

$42,546-5.7%

$71,796-44.1%

$55,167-27.3%

Participation rate

15.0%

59.1%-44.2pp

69.1%-54.2pp

69.0%-54.0pp

Annual return

7.30%

12.36%-5.1pp

78.04%-70.7pp

169.23%-161.9pp

Employer contribution / active EE

$803-100.0%

$1,924-100.0%

$1,963-100.0%

Participant deferral / active EE

$461

$2,064-77.7%

$2,794-83.5%

$3,054-84.9%

Admin fee / account holder

$10

$650-98.5%

$4,815-99.8%

$504-98.1%

Provider

Service type

Compensation

MERRILL LYNCH PIERCE FENNER & SMITH2+ years

Service code 52 · EIN 13-5674085

Indirect Investment Fees

$16,487

ADP BROKER-DEALER2+ years

Filed as: ADP, LLC

Service code 15 · EIN 13-3036745

Recordkeeping

$525

ADP BROKER-DEALER2+ years

Service code 49 · EIN 22-3319984

Other Services

DAVIS FOOD CO-OP EMPLOYEES 401K

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

DAVIS FOOD CO-OP EMPLOYEES 401K

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