Retirement plan

RUTAN & TUCKER, LLP PROFIT SHARING PLAN

Name: RUTAN & TUCKER, LLP - RUTAN & TUCKER, LLP PROFIT SHARING PLAN (2017) Form 5500
Creator: RUTAN & TUCKER, LLP
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, RUTAN & TUCKER, LLP PROFIT SHARING PLAN, RUTAN & TUCKER, LLP

RUTAN & TUCKER, LLPEIN 95-3519027Plan #013PY 2017

611 ANTON BLVD., SUITE 1400 - COSTA MESA, CA 926261931714-641-5100rutan.comLinkedIn201-500 employeeslaw practice

Other plans on this EIN

2 filings

#018Retirement-$15.4M assets #015Retirement-$11.6M assets

Prospect flagsHigh feesHigh assets / participant

How to read this page

Total assets (EOY)

$141.9M

+12.3% from 2016

Total participants

227

-1.3% from 2016

Average account balance

$636,490

+11.3% from 2016

Annual return

15.58%

+7.60 pp from 2016

Benchmarks

See 5,160 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants100-249

Cohort5,160 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$170.57M

Not enough data

1 years with asset history on file

Average account balance

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

$765K

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.

223

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.

98.3%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$6.40M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$37K

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

+13.36%

Not enough data

1 years with return on file

Admin fee / account holder

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

$69

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
AMERICAN UNITED LIFE INSURANCE CO2 years Filed as: ONEAMERICA RETIREMENT SERVICES LLC Service code 15 · EIN 46-5378846	Recordkeeping	$172,146
RBC GLOBAL ASSET MANAGEMENT3+ years Filed as: CITY NATIONAL BANK Service code 26 · EIN 95-1780067	Advisory (Participants)	$13,471
ALLIANCE PENSION CONSULTANTS, LLC1 year Filed as: ALLIANCE SANFORD BERNSTEIN, LLP Service code 26 · EIN 13-4132953	Advisory (Participants)	$9,347
SILVERGATE ADVISORS3+ years Service code 26 · EIN 95-4820670	Advisory (Participants)	$8,926
TD AMERITRADE, INC.3+ years Service code 59 · EIN 82-0543156	Shareholder Servicing	$774
MATRIX TRUST COMPANY2 years Service code 18 · EIN 75-3182674	Custodial (other than securities); Tr...	$0
MATRIX TRUST COMPANY1 year Filed as: MSCS FS DIV OF BROADRIDGE BPO, LLC Service code 50 · EIN 33-1151291	Direct Payment	$0

Plan features & details

Pension benefit codes2A2E2F2G2J2R2T3B3D3H

Plan features

2A
Age/service weighted or new comparability plan
Age/service weighted plan where allocations are based on age service or age and service; or new comparability or similar plan where allocations are based on participant classifications consisting entirely or predominantly of highly compensated employees or the plan provides an additional allocation rate on compensation above a specified threshold that exceeds the permitted disparity limits of Code section 401(l).
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.
2R
Participant-directed brokerage accounts
Participant-directed brokerage accounts provided as an investment option under the plan.
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.
3B
Plan covering self-employed individuals
Plan covering self-employed individuals.
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

2 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
InformationalHigh assets / participant
Assets per participant exceed $250,000 - top-decile high-value plan.

Expense breakdown

Schedule H Part II

Admin total

$207K

$1158 / participant

Investment mgmt$33K15.7%
Contract admin$174K83.8%
Other / not subdivided$1K0.5%

% of EOY assets

0.146%

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: WARNICK, MAESTAS & MARONEY
Auditor EIN: 330941619
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$636,490

$80,753+688.2%

$136,298+367.0%

$62,293+921.8%

Participation rate

97.8%

73.5%+24.2pp

81.9%+15.8pp

69.5%+28.2pp

Annual return

15.58%

35.83%-20.3pp

5156.27%-5140.7pp

28.90%-13.3pp

Employer contribution / active EE

$16,271

$2,884+464.3%

$4,696+246.5%

$2,042+696.7%

Participant deferral / active EE

$10,127

$5,164+96.1%

$6,247+62.1%

$3,169+219.5%

Admin fee / account holder

$930

$525+76.9%

$9,244-89.9%

$479+93.9%

Provider

Service type

Compensation

AMERICAN UNITED LIFE INSURANCE CO2 years

Filed as: ONEAMERICA RETIREMENT SERVICES LLC

Service code 15 · EIN 46-5378846

Recordkeeping

$172,146

RBC GLOBAL ASSET MANAGEMENT3+ years

Filed as: CITY NATIONAL BANK

Service code 26 · EIN 95-1780067

Advisory (Participants)

$13,471

ALLIANCE PENSION CONSULTANTS, LLC1 year

Filed as: ALLIANCE SANFORD BERNSTEIN, LLP

Service code 26 · EIN 13-4132953

Advisory (Participants)

$9,347

SILVERGATE ADVISORS3+ years

Service code 26 · EIN 95-4820670

Advisory (Participants)

$8,926

TD AMERITRADE, INC.3+ years

Service code 59 · EIN 82-0543156

Shareholder Servicing

$774

MATRIX TRUST COMPANY2 years

Service code 18 · EIN 75-3182674

Custodial (other than securities); Tr...

MATRIX TRUST COMPANY1 year

Filed as: MSCS FS DIV OF BROADRIDGE BPO, LLC

Service code 50 · EIN 33-1151291

Direct Payment

RUTAN & TUCKER, LLP PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

RUTAN & TUCKER, LLP 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