Retirement plan

ATKINSON, ANDELSON, LOYA, RUUD & ROMO, A.P.C. 401(K) PROFIT SHARING PLAN

Name: ATKINSON, ANDELSON, LOYA, RUUD & ROMO, A.P.C. - ATKINSON, ANDELSON, LOYA, RUUD & ROMO, A.P.C. 401(K) PROFIT SHARING PLAN (2015) Form 5500
Creator: ATKINSON, ANDELSON, LOYA, RUUD & ROMO, A.P.C.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, ATKINSON, ANDELSON, LOYA, RUUD & ROMO, A.P.C. 401(K) PROFIT SHARING PLAN, ATKINSON, ANDELSON, LOYA, RUUD & ROMO, A.P.C.

ATKINSON, ANDELSON, LOYA, RUUD & ROMO, A.P.C.EIN 95-3378600Plan #001PY 2015

12800 CENTER COURT DRIVE, SUITE 300 - CERRITOS, CA 90703562-653-3200aalrr.comLinkedIn201-500 employeeslegal services

Other plans on this EIN

1 filing

#004Retirement-$2.6M assets

Prospect flagsLow returnsHigh feesHigh assets / participant

How to read this page

Total assets (EOY)

$109.2M

-9.0% from 2016

Total participants

311

-6.3% from 2016

Average account balance

$388,496

-1.9% from 2016

Annual return

-3.62%

-11.80 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

$260.37M

Not enough data

1 years with asset history on file

Average account balance

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

$573K

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.

454

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.

85.9%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$12.96M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$33K

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

+15.16%

Not enough data

1 years with return on file

Admin fee / account holder

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

$101

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 7 by compensation

Provider	Service type	Compensation
HARRIS1+ years Filed as: HARRIS ASSOCIATES LP Service code 28 · EIN 04-3276558	Investment Management	$201,069
MANNING & NAPIER1+ years Filed as: MANNING & NAPIER ADVISORS, INC. Service code 28 · EIN 45-3240790	Investment Management	$136,410
CHARLES SCHWAB & CO., INC.1+ years Filed as: SCHWAB RETIREMENT PLAN SERVICES Service code 15 · EIN 34-1479833	Recordkeeping	$38,309
ALPHAPOINT, INC.1+ years Service code 28 · EIN 14-1884337	Investment Management	$15,000
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB & CO. AND AFFILIATES Service code 59	Shareholder Servicing	$0
CHARLES SCHWAB & CO., INC.1+ years Service code 59 · EIN 94-1737782	Shareholder Servicing	$0
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB BANK Service code 25 · EIN 42-1558009	Directed Trustee	$0

Plan features & details

Pension benefit codes2E2H2J2K2T3D

Plan features

2E
Profit-sharing
Profit-sharing plan.
2H
Partial participant-directed account plan
Participants have the opportunity to direct the investment of a portion 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

3 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
InformationalHigh assets / participant
Assets per participant exceed $250,000 - top-decile high-value plan.

Expense breakdown

Schedule H Part II

Admin total

$349K

$1397 / participant

Investment mgmt$306K87.7%
Other / not subdivided$43K12.3%

% of EOY assets

0.320%

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: WINDES, INC.
Auditor EIN: 953001179
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$388,496

$88,324+339.9%

$115,038+237.7%

$55,191+603.9%

Participation rate

88.0%

72.5%+15.5pp

81.4%+6.6pp

69.2%+18.8pp

Annual return

-3.62%

6.30%-9.9pp

26.14%-29.8pp

10.78%-14.4pp

Employer contribution / active EE

$15,488

$2,805+452.2%

$4,608+236.1%

$1,899+715.7%

Participant deferral / active EE

$9,319

$5,042+84.8%

$6,026+54.6%

$3,046+205.9%

Admin fee / account holder

$1,243

$105+1079.3%

$8,175-84.8%

$91+1269.0%

Provider

Service type

Compensation

HARRIS1+ years

Filed as: HARRIS ASSOCIATES LP

Service code 28 · EIN 04-3276558

Investment Management

$201,069

MANNING & NAPIER1+ years

Filed as: MANNING & NAPIER ADVISORS, INC.

Service code 28 · EIN 45-3240790

Investment Management

$136,410

CHARLES SCHWAB & CO., INC.1+ years

Filed as: SCHWAB RETIREMENT PLAN SERVICES

Service code 15 · EIN 34-1479833

Recordkeeping

$38,309

ALPHAPOINT, INC.1+ years

Service code 28 · EIN 14-1884337

Investment Management

$15,000

CHARLES SCHWAB & CO., INC.1+ years

Filed as: CHARLES SCHWAB & CO. AND AFFILIATES

Service code 59

Shareholder Servicing

CHARLES SCHWAB & CO., INC.1+ years

Service code 59 · EIN 94-1737782

Shareholder Servicing

CHARLES SCHWAB & CO., INC.1+ years

Filed as: CHARLES SCHWAB BANK

Service code 25 · EIN 42-1558009

Directed Trustee

ATKINSON, ANDELSON, LOYA, RUUD & ROMO, A.P.C. 401(K) PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

ATKINSON, ANDELSON, LOYA, RUUD & ROMO, A.P.C. 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