Retirement plan

ARETE ASSOCIATES 401(K) PROFIT SHARING PLAN

Name: ARETE ASSOCIATES - ARETE ASSOCIATES 401(K) PROFIT SHARING PLAN (2015) Form 5500
Creator: ARETE ASSOCIATES
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, ARETE ASSOCIATES 401(K) PROFIT SHARING PLAN, ARETE ASSOCIATES

ARETE ASSOCIATESEIN 95-2954108Plan #002PY 2015

9301 CORBIN AVE, SUITE 2000 - NORTHRIDGE, CA 91324818-885-2200

Other plans on this EIN

1 filing

#003Retirement-$38.6M assets

Prospect flagsNo flags tripped

How to read this page

Total assets (EOY)

$84.4M

-5.9% from 2016

Total participants

408

0.0% from 2016

Average account balance

$212,584

-4.4% from 2016

Annual return

2.26%

-5.98 pp from 2016

Benchmarks

See 2,331 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants250-999

Cohort2,331 peers

Snapshot2015

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

Analytics

Total assets (EOY)

Plan-year ending balance

$193.66M

Not enough data

1 years with asset history on file

Average account balance

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

$308K

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.

628

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.

96.4%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$7.89M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$19K

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

+16.18%

Not enough data

1 years with return on file

Admin fee / account holder

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

$125

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
ARETE WEALTH ADVISORS LLC1+ years Filed as: ARETE ASSOCIATES, INC Service code 50 9301 CORBIN AVE · NORTHRIDGE, CA 91324	Direct Payment	$36,034
BENEFIT FUNDING SERVICES GROUP1+ years Service code 16 2040 MAIN STREET · IRVINE, CA 92614	Consulting	$31,321
ROMBERGER WILSON BEESON INC1+ years Filed as: ROMBERGER, WILSON AND BEESON, INC. Service code 10 500 N CENTRAL AVE · GLENDALE, CA 91203	Accounting	$11,000
T ROWE PRICE RPS INC1+ years Service code 15 100 EAST PRATT STREET · BALTIMORE, MD 21202	Recordkeeping	$950

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

0 tripped

No flags tripped for this filing year. This plan looks clean.

Expense breakdown

Schedule H Part II

Admin total

$79K

$306 / participant

Other / not subdivided$79K100.0%

% of EOY assets

0.094%

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: ROMBERGER, WILSON & BEESON, INC.
Auditor EIN: 953654092
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$212,584

$88,324+140.7%

$115,038+84.8%

$55,191+285.2%

Participation rate

95.8%

72.5%+23.2pp

81.4%+14.4pp

69.2%+26.6pp

Annual return

2.26%

6.30%-4.0pp

26.14%-23.9pp

10.78%-8.5pp

Employer contribution / active EE

$3,403

$2,805+21.3%

$4,608-26.2%

$1,899+79.2%

Participant deferral / active EE

$10,793

$5,042+114.1%

$6,026+79.1%

$3,046+254.3%

Admin fee / account holder

$200

$105+89.6%

$8,175-97.6%

$91+120.1%

Provider

Service type

Compensation

ARETE WEALTH ADVISORS LLC1+ years

Filed as: ARETE ASSOCIATES, INC

Service code 50

9301 CORBIN AVE · NORTHRIDGE, CA 91324

Direct Payment

$36,034

BENEFIT FUNDING SERVICES GROUP1+ years

Service code 16

2040 MAIN STREET · IRVINE, CA 92614

Consulting

$31,321

ROMBERGER WILSON BEESON INC1+ years

Filed as: ROMBERGER, WILSON AND BEESON, INC.

Service code 10

500 N CENTRAL AVE · GLENDALE, CA 91203

Accounting

$11,000

T ROWE PRICE RPS INC1+ years

Service code 15

100 EAST PRATT STREET · BALTIMORE, MD 21202

Recordkeeping

$950

ARETE ASSOCIATES 401(K) PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

ARETE ASSOCIATES 401(K) PROFIT SHARING 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