Retirement plan

ATKINSON, ANDELSON, LOYA, RUUD & ROMO PROFIT SHARING AND 401(K) PLANS

Name: ATKINSON, ANDELSON, LOYA, RUUD & ROMO, A PROFESSIONAL CORPORATION - ATKINSON, ANDELSON, LOYA, RUUD & ROMO PROFIT SHARING AND 401(K) PLANS (2016) Form 5500
Creator: ATKINSON, ANDELSON, LOYA, RUUD & ROMO, A PROFESSIONAL CORPORATION
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, ATKINSON, ANDELSON, LOYA, RUUD & ROMO PROFIT SHARING AND 401(K) PLANS, ATKINSON, ANDELSON, LOYA, RUUD & ROMO, A PROFESSIONAL CORPORATION

ATKINSON, ANDELSON, LOYA, RUUD & ROMO, A PROFESSIONAL CORPORATIONEIN 95-3378600Plan #001PY 2016

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

Other plans on this EIN

1 filing

#004Retirement-$3.7M assets

Prospect flagsHigh feesHigh assets / participantCorrective distributions

How to read this page

Total assets (EOY)

$120M

-9.0% from 2016

Total participants

332

-6.3% from 2016

Average account balance

$396,026

-1.9% from 2016

Annual return

8.18%

-11.80 pp from 2016

Benchmarks

See 2,524 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants250-999

Cohort2,524 peers

Snapshot2016

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 5 by compensation

Provider	Service type	Compensation
HARRIS2+ years Filed as: HARRIS ASSOCIATES LP Service code 28 · EIN 04-3276558	Investment Management	$251,055
MANNING & NAPIER2+ years Filed as: MANNING & NAPIER ADVISORS, INC. Service code 28 · EIN 45-3240790	Investment Management	$142,603
ALPHAPOINT, INC.2+ years Service code 28 · EIN 14-1884337	Investment Management	$15,000
CHARLES SCHWAB & CO., INC.2+ years Filed as: SCHWAB RETIREMENT PLAN SERVICES Service code 15 · EIN 34-1479833	Recordkeeping	$7,731
CHARLES SCHWAB & CO., INC.2+ years Filed as: CHARLES SCHWAB BANK Service code 25 · EIN 42-1558009	Directed Trustee	$5

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.)
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).
InformationalHigh assets / participant
Assets per participant exceed $250,000 - top-decile high-value plan.

Expense breakdown

Schedule H Part II

Admin total

$421K

$1543 / participant

Investment mgmt$409K97.0%
Other / not subdivided$13K3.0%

% of EOY assets

0.351%

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

$396,026

$80,177+393.9%

$123,894+219.6%

$57,661+586.8%

Participation rate

89.4%

74.4%+14.9pp

81.4%+8.0pp

70.2%+19.1pp

Annual return

8.18%

17.90%-9.7pp

47.52%-39.3pp

5.13%+3.0pp

Employer contribution / active EE

$15,235

$2,913+423.1%

$4,617+230.0%

$1,974+671.9%

Participant deferral / active EE

$9,073

$5,130+76.8%

$5,984+51.6%

$3,061+196.4%

Admin fee / account holder

$1,390

$106+1207.9%

$8,357-83.4%

$95+1370.8%

Provider

Service type

Compensation

HARRIS2+ years

Filed as: HARRIS ASSOCIATES LP

Service code 28 · EIN 04-3276558

Investment Management

$251,055

MANNING & NAPIER2+ years

Filed as: MANNING & NAPIER ADVISORS, INC.

Service code 28 · EIN 45-3240790

Investment Management

$142,603

ALPHAPOINT, INC.2+ years

Service code 28 · EIN 14-1884337

Investment Management

$15,000

CHARLES SCHWAB & CO., INC.2+ years

Filed as: SCHWAB RETIREMENT PLAN SERVICES

Service code 15 · EIN 34-1479833

Recordkeeping

$7,731

CHARLES SCHWAB & CO., INC.2+ years

Filed as: CHARLES SCHWAB BANK

Service code 25 · EIN 42-1558009

Directed Trustee

ATKINSON, ANDELSON, LOYA, RUUD & ROMO PROFIT SHARING AND 401(K) PLANS

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

ATKINSON, ANDELSON, LOYA, RUUD & ROMO PROFIT SHARING AND 401(K) PLANS

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