Retirement plan

WNC INSURANCE SERVICES INC. 401(K) PLAN

Name: WNC INSURANCE SERVICES INC. - WNC INSURANCE SERVICES INC. 401(K) PLAN (2015) Form 5500
Creator: WNC INSURANCE SERVICES INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, WNC INSURANCE SERVICES INC. 401(K) PLAN, WNC INSURANCE SERVICES INC.

WNC INSURANCE SERVICES INC.EIN 95-2956941Plan #002PY 2015

899 EL CENTRO STREET - SOUTH PASADENA, CA 91030800-423-2497

Prospect flagsNo flags tripped

How to read this page

Total assets (EOY)

$8.4M

No prior year

Total participants

175

No prior year

Average account balance

$63,376

No prior year

Annual return

9.13%

No prior year

Benchmarks

See 2,156 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants100-249

Cohort2,156 peers

Snapshot2015

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

Analytics

Total assets (EOY)

Plan-year ending balance

$21.89M

Not enough data

1 years with asset history on file

Average account balance

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

$107K

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.

204

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.

95.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.71M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$12K

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

+13.37%

Not enough data

1 years with return on file

Admin fee / account holder

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

$117

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 3 by compensation

Provider	Service type	Compensation
TRI-AD ACTUARIES, INC.1+ years Service code 13 · EIN 95-2887986	Contract Administrator	$5,898
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 42-1558009	Securities Custodian	$4,613
CHARLES SCHWAB & CO., INC.1+ years Service code 59 · EIN 94-1737782	Shareholder Servicing	$0

Plan features & details

Pension benefit codes2E2F2G2J2K2T3D

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.

Opportunity flags

0 tripped

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

Expense breakdown

Schedule H Part II

Admin total

$6K

$36 / participant

Contract admin$6K100.0%

% of EOY assets

0.071%

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: HOLTHOUSE CARLIN & VAN TRIGT LLP
Auditor EIN: 954345526
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$63,376

$70,667-10.3%

$123,105-48.5%

$52,331+21.1%

Participation rate

73.5%

83.7%-10.3pp

86.8%-13.3pp

68.1%+5.4pp

Annual return

9.13%

6.23%+2.9pp

13.22%-4.1pp

4.54%+4.6pp

Employer contribution / active EE

$1,747

$2,946-40.7%

$5,151-66.1%

$1,882-7.2%

Participant deferral / active EE

$3,858

$4,493-14.1%

$6,229-38.1%

$3,022+27.7%

Admin fee / account holder

$45

$506-91.2%

$9,014-99.5%

$592-92.4%

Provider

Service type

Compensation

TRI-AD ACTUARIES, INC.1+ years

Service code 13 · EIN 95-2887986

Contract Administrator

$5,898

CHARLES SCHWAB & CO., INC.1+ years

Filed as: CHARLES SCHWAB BANK

Service code 19 · EIN 42-1558009

Securities Custodian

$4,613

CHARLES SCHWAB & CO., INC.1+ years

Service code 59 · EIN 94-1737782

Shareholder Servicing

WNC INSURANCE SERVICES INC. 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

WNC INSURANCE SERVICES INC. 401(K) 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