Retirement plan

ORANGE COAST TITLE FAMILY OF COMPANIES EMPLOYEE SAVINGS PLAN

Name: ORANGE COAST TITLE COMPANY - ORANGE COAST TITLE FAMILY OF COMPANIES EMPLOYEE SAVINGS PLAN (2016) Form 5500
Creator: ORANGE COAST TITLE COMPANY
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, ORANGE COAST TITLE FAMILY OF COMPANIES EMPLOYEE SAVINGS PLAN, ORANGE COAST TITLE COMPANY

ORANGE COAST TITLE COMPANYEIN 95-2871609Plan #001PY 2016

1551 NORTH TUSTIN AVE, SUITE 300 - SANTA ANA, CA 92705714-558-2836octitle.comLinkedIn501-1000 employeesinsurance

Prospect flagsLow returnsLow assets / participantCorrective distributions

How to read this page

Total assets (EOY)

$32.5M

-1.4% from 2015

Total participants

1,201

+5.2% from 2015

Average account balance

$27,050

-10.5% from 2015

Annual return

-5.12%

-6.49 pp from 2015

Benchmarks

See 1,433 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants250-999

Cohort1,433 peers

Snapshot2016

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

Analytics

Total assets (EOY)

Plan-year ending balance

$73.17M

Not enough data

1 years with asset history on file

Average account balance

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

$89K

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.

819

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.

97.1%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$5.19M

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

+13.65%

Not enough data

1 years with return on file

Admin fee / account holder

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

$414

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
BURNHAM GIBSON WEALTH ADVISORS, INC1 year Service code 27 · EIN 47-5476782	Advisory (Plan)	$61,844
AXA EQUITABLE LIFE INSURANCE CO1 year Filed as: AXA ADVISORS LLC AXA FINANCIAL PLAN Service code 27 · EIN 13-0478005	Advisory (Plan)	$19,998
TRANSAMERICA RETIREMENT SOLUTIONS2+ years Filed as: TRANSAMERICA FINANCIAL LIFE INSURAN Service code 15 · EIN 36-6071399	Recordkeeping	$18,907
WHITE NELSON DIEHL EVANS LLP2+ years Service code 10 · EIN 33-0683301	Accounting	$7,983

Plan features & details

Pension benefit codes2E2F2G2J2K3D

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.
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

3 tripped

OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
OpportunityLow assets / participant
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$109K

$227 / participant

Investment mgmt$90K82.6%
Other / not subdivided$19K17.4%

% of EOY assets

0.335%

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: WHITE NELSON DIEHL EVANS LLP
Auditor EIN: 330686301
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$27,050

$71,802-62.3%

$133,975-79.8%

$57,658-53.1%

Participation rate

100.0%

85.5%+14.5pp

87.1%+12.9pp

70.2%+29.8pp

Annual return

-5.12%

13.51%-18.6pp

29.29%-34.4pp

5.13%-10.3pp

Employer contribution / active EE

$1,528

$3,161-51.7%

$5,211-70.7%

$1,974-22.6%

Participant deferral / active EE

$5,630

$4,606+22.2%

$6,282-10.4%

$3,061+83.9%

Admin fee / account holder

$91

$88+3.3%

$9,324-99.0%

$95-4.2%

Provider

Service type

Compensation

BURNHAM GIBSON WEALTH ADVISORS, INC1 year

Service code 27 · EIN 47-5476782

Advisory (Plan)

$61,844

AXA EQUITABLE LIFE INSURANCE CO1 year

Filed as: AXA ADVISORS LLC AXA FINANCIAL PLAN

Service code 27 · EIN 13-0478005

Advisory (Plan)

$19,998

TRANSAMERICA RETIREMENT SOLUTIONS2+ years

Filed as: TRANSAMERICA FINANCIAL LIFE INSURAN

Service code 15 · EIN 36-6071399

Recordkeeping

$18,907

WHITE NELSON DIEHL EVANS LLP2+ years

Service code 10 · EIN 33-0683301

Accounting

$7,983

ORANGE COAST TITLE FAMILY OF COMPANIES EMPLOYEE SAVINGS PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

ORANGE COAST TITLE FAMILY OF COMPANIES EMPLOYEE SAVINGS 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