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 (2018) 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 2018

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

Prospect flagsHigh feesLow employer contributionCorrective distributions

How to read this page

Total assets (EOY)

$36.3M

-6.0% from 2017

Total participants

1,002

-36.1% from 2017

Average account balance

$42,599

+44.5% from 2017

Annual return

-3.10%

-19.29 pp from 2017

Benchmarks

See 1,457 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants250-999

Cohort1,457 peers

Snapshot2018

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

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Service providers

Top 10 of 16 by compensation

Provider	Service type	Compensation
MASSACHUSETTS MUTUAL LIFE INS. CO.1 year Service code 49 · EIN 04-1590850	Other Services	$164,956
BURNHAM GIBSON WEALTH ADVISORS, INC3 years Service code 27 · EIN 47-5476782	Advisory (Plan)	$94,505
WHITE NELSON DIEHL EVANS LLP4+ years Service code 10 · EIN 33-0686301	Accounting	$19,199
TRANSAMERICA RETIREMENT SOLUTIONS2 years Filed as: TRANSAMERICA FINANCIAL LIFE INS CO Service code 15 · EIN 36-6071399	Recordkeeping	$3,494
AMERICAN FUNDS1 year Service code 52 · EIN 95-1411037	Indirect Investment Fees	$0
BLACKROCK1 year Service code 52 · EIN 51-0318674	Indirect Investment Fees	$0
DIMENSIONAL FUND ADVISORS1 year Service code 52 · EIN 36-3129984	Indirect Investment Fees	$0
DODGE & COX1 year Service code 52 · EIN 94-6067274	Indirect Investment Fees	$0
FIDELITY INVESTMENTS INSTITUTIONAL1 year Filed as: FIDELITY INVESTMENTS Service code 52 · EIN 04-3365630	Indirect Investment Fees	$0
JANUS HENDERSON1 year Service code 52 · EIN 84-0592523	Indirect Investment Fees	$0

Plan features & details

Pension benefit codes2E2J2F2G2K3D3H2S2T

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.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
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

3 tripped

OpportunityLow employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.
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

$285K

$315 / participant

Investment mgmt$223K78.3%
Contract admin$36K12.6%
Other / not subdivided$26K9.2%

% of EOY assets

0.784%

all-in expense ratio

Categories reported

2 / 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

$42,599

$80,005-46.8%

$140,019-69.6%

$55,725-23.6%

Participation rate

83.5%

87.0%-3.5pp

87.5%-4.0pp

70.9%+12.7pp

Annual return

-3.10%

0.46%-3.6pp

651.17%-654.3pp

244.93%-248.0pp

Employer contribution / active EE

$1,120

$3,403-67.1%

$5,605-80.0%

$2,078-46.1%

Participant deferral / active EE

$3,900

$5,264-25.9%

$6,927-43.7%

$3,356+16.2%

Admin fee / account holder

$334

$116+188.6%

$10,705-96.9%

$115+189.8%

Provider

Service type

Compensation

MASSACHUSETTS MUTUAL LIFE INS. CO.1 year

Service code 49 · EIN 04-1590850

Other Services

$164,956

BURNHAM GIBSON WEALTH ADVISORS, INC3 years

Service code 27 · EIN 47-5476782

Advisory (Plan)

$94,505

WHITE NELSON DIEHL EVANS LLP4+ years

Service code 10 · EIN 33-0686301

Accounting

$19,199

TRANSAMERICA RETIREMENT SOLUTIONS2 years

Filed as: TRANSAMERICA FINANCIAL LIFE INS CO

Service code 15 · EIN 36-6071399

Recordkeeping

$3,494

AMERICAN FUNDS1 year

Service code 52 · EIN 95-1411037

Indirect Investment Fees

BLACKROCK1 year

Service code 52 · EIN 51-0318674

Indirect Investment Fees

DIMENSIONAL FUND ADVISORS1 year

Service code 52 · EIN 36-3129984

Indirect Investment Fees

DODGE & COX1 year

Service code 52 · EIN 94-6067274

Indirect Investment Fees

FIDELITY INVESTMENTS INSTITUTIONAL1 year

Filed as: FIDELITY INVESTMENTS

Service code 52 · EIN 04-3365630

Indirect Investment Fees

JANUS HENDERSON1 year

Service code 52 · EIN 84-0592523

Indirect Investment Fees

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