Retirement plan

KEYSTONE MORTGAGE CORPORATION 401K AND PROFIT SHARING PLAN

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

KEYSTONE MORTGAGE CORPORATIONEIN 95-4739541Plan #001PY 2015

360 N SEPULVEDA BLVD STE 1000 - EL SEGUNDO, CA 90245310-726-4121keystonemortgagecorp.comLinkedIn11-50 employeescapital markets

Prospect flagsHigh feesHigh assets / participant

How to read this page

Total assets (EOY)

$7.1M

No prior year

Total participants

No prior year

Average account balance

$395,081

No prior year

Annual return

3.24%

No prior year

Benchmarks

See 27,820 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants<25

Cohort27,820 peers

Snapshot2015

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

Analytics

Total assets (EOY)

Plan-year ending balance

$8.16M

Not enough data

1 years with asset history on file

Average account balance

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

$544K

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.

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.

136.4%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$182K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$17K

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

+7.78%

Not enough data

1 years with return on file

Admin fee / account holder

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

$136077

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

0 years with F_SCH_H allocation on file

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

Service providers

Providers data not reported

Schedule C was not filed on this plan's most recent Form 5500, so no compensated service providers are available to display.

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

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

$164K

$10906 / participant

Other / not subdivided$164K100.0%

% of EOY assets

2.300%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

No opinion code on file for this filing.

Auditor firm: (not reported)
Auditor EIN: -
Audit fees: (not subdivided)
Opinion code: -

Metric

This plan

Peer set

Industry

Size

Avg account balance

$395,081

$140,592+181.0%

$123,105+220.9%

$125,389+215.1%

Participation rate

93.3%

88.2%+5.1pp

86.8%+6.6pp

83.2%+10.1pp

Annual return

3.24%

16.80%-13.6pp

13.22%-10.0pp

282.24%-279.0pp

Employer contribution / active EE

$3,432

$6,041-43.2%

$5,151-33.4%

$4,866-29.5%

Participant deferral / active EE

$9,234

$6,980+32.3%

$6,229+48.2%

$5,352+72.5%

Admin fee / account holder

$9,088

$11,198-18.8%

$9,014+0.8%

$9,541-4.7%

KEYSTONE MORTGAGE CORPORATION 401K AND PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

KEYSTONE MORTGAGE CORPORATION 401K AND 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