'EMPLOYEES' 401(K) RETIREMENT RETIREMENT PLAN
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Overview
This report provides an Artificial Intelligence-driven analysis of B & B HOLDINGS, INC.. The goal of this analysis is to determine if plan participants with various portfolio sizes and risk tolerances can build well-diversified portfolios, given the investment options available. The report will also analyze other factors like expense ratios, fundamentals, and quality of investment options to provide insight into the strength of the plan. Tickeron’s A.I. uses a patented methodology known as Diversification Score ® to conduct this analysis. This report is organized as follows:
Part 1: 401(k) Plan Overview
- Plan Description
- Plan Details
- General Statistics
- Plan Menu
Part 2: Disclaimers
401(k) Plan Overview
Plan Description
'EMPLOYEES' 401(K) RETIREMENT PLAN is a defined contribution plan with a profit-sharing component and 401(k) feature. 'EMPLOYEES' 401(K) RETIREMENT PLAN currently has over active participants and over in plan assets.
Plan Details
| Location | |
|---|---|
| Administrator | |
| Administrator Phone | |
| Net Plan Assets | |
| Active Participants | |
| Total Participants | |
| Avg. Account Balance |
Plan Service Providers
| Service | Provider |
|---|
General Statistics
| Metric | Actual value | Rank out of 100 |
|---|---|---|
| Total Plan Cost This is the rate showing the proportion of Total Expenses in Average Net Assets. | ||
| Company Generosity This is the ratio of Employer Contributions to Employees contributions. | ||
| Rate of Return This is the average growth rate of the underlying investments of the plan over the most recent year, excluding contributions. | ||
| Participation Rate The ratio of active plan participants to the total number of eligible employees. | ||
| Account Balance Average account balance is calculated by dividing Net Assets to the Number of Active Participants. | ||
| Participant Loans as a Percentage of Plan Assets Indicates weather plan participants are borrowing excessively from their retirement accounts. | ||
| Average Participant Contributions The average amount of money that each plan participant contributes to the plan. | ||
| Average Employer Contributions per Participant The average amount of money the employer contributes to the plan of each participant. |
The performance, ranking and comparison details we provide are based solely on publicly available information we obtain from the Department of Labor (DOL) and proprietary Tickeron technology processes we utilize to analyze that information. We do not validate or confirm the accuracy or completeness of the information received. Others may evaluate information differently.
Plan Menu
Tickeron uses DOL 5500 form database to analyze 401k plans. While the forms required by DOL provide a lot of different information, there is practically no standard for reporting tickers or names of funds included in plan menus. This situation creates necessity to determine the actual ticker of each included fund, and results can vary depending on quality of the report. Some providers include very good descriptive names that allow for easy identification of funds, and others use shortened, scrambled, and often misspelled fund names that make it impossible to uniquely identify the fund, even after an analyst review.
To help users overcome this issue Tickeron has created “Plan Administrator Reporting Quality” measure that is based on the number of tickers successfully recognized by the AI and other measures. Plan menus with high Report Quality are easy to study and analyze, while plans with poor Report Quality are almost impossible to work with. Users are encouraged to contact respective Plan Administrator to tell them about poor Report Quality of their plans and ask them to improve reporting.
| Ticker / Fund | Group (G) / Category (C) / Type (T) |
|---|---|
| UNRECOGNIZED * PNC BANK, N.A. PNC STABLE VALUE FUND | G N/A C N/A |
* Tickeron AI was unable to recognize this record in DOL Form 5500
Breaking down your holdings by category can provide you insight into what ‘gaps’ may exist in your efforts to diversify. For example you can own an investment portfolio with exposure to large cap growth stocks, Emerging Markets stocks, and U.S. Treasuries. In a sense, you have diversified. But what about gaining exposure to other categories, like small-cap value, mid-cap growth, European stocks, and municipal bonds? Analyzing your holdings more closely, as the A.I. has done above, gives you a better view of your portfolio’s current diversification, which may present opportunities for re-allocating some of your capital.
Quality of Data received from Form 5500 - Department of Labor
Suspicious data found in fields:
| Rate Of Return: |
No funds were recognized for this plan, therefore Diversification analysis cannot be produced
Disclaimers
Although our services incorporate historical financial information, past financial performance is not a guarantee or indicator of future results. Moreover, although we believe the historical information and strategies we use are reliable, we cannot guarantee them. Our services should not be considered as advice or recommendations to investors or potential investors in relation to purchasing, holdings, or selling securities and does not take into account your particular investment horizon, financial situation or current or long term needs, but they are not a substitute for your own informed judgment or decisions. Moreover, they provide only some of the resources that could possibly assist you in making your investment decisions. You may accept, reject or modify the recommendations we provide, and you are encouraged to may consult with other advisors or professionals (at your expense) as you see fit regarding your personal circumstances. You are responsible for verifying the rules of your 401(k) Plan before making investment decisions. We do not and cannot guarantee the future performance of your investments. We do not promise that investments we recommend will be profitable.
All investments are subject to various market, currency, economic, political and business risks. We do not guarantee the suitability or value of any investment information or strategy. We do not recommend any brokers or dealers for executing transactions or maintaining accounts and do not provide a mechanism for placing trades through this site. We are not responsible for advice or information you receive from anyone through the use of this site.
We are not responsible for any transfers of money to any member outside of our payment system. Additional information can be found in our Terms of Use, Client Agreement, and Privacy Policy. All graphs and data on our website and marketing materials are based on simulated or hypothetical performance that have certain inherent limitations. Hypothetical performance of the portfolio is not an indicator of actual results. The results do not represent returns that any portfolio actually attained and do not reflect actual trading or the effect of material economic and market factors on the decision-making process. Since trades were not actually executed, results may have under-or over-compensated for the impact, if any, of certain market factors, such as lack of liquidity, and may not reflect the impact that certain economic or market factors may have had on the decision-making process. Unlike the graphs shown in an actual performance record, these graphs do not represent actual trading. Any trades on websites are recorded paper trades and have not been executed. Simulated or hypothetical trading algorithms in general are also subject to the fact that they might be designed with the benefit of some hindsight during backtesting.
No representations are made that any actual account will or is likely to achieve any profits or limit losses similar to these graphs or data being shown. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for your investment portfolio. Users of this information do not receive investment advisory advice regarding an actual portfolio or ongoing review or monitoring of the user’s investment portfolio or individual particular needs. Therefore, no user should assume that his/her/its use of these services is a substitute for individual personalized advice from an investment professional of the user’s choosing.
ASSUMPTIONS AND METHODS USED
The following are material assumptions used when calculating any hypothetical graphs and presenting results that appear on our website:
- Profits are reinvested. We assume profits (when there are profits) are reinvested in the trading algorithms.
- Any trading fees and commissions are not included.