Retirement plan

SGH PROFIT SHARING & 401(K) PLAN AND TRUST

Name: SIMPSON GUMPERTZ & HEGER INC. - SGH PROFIT SHARING & 401(K) PLAN AND TRUST (2021) Form 5500
Creator: SIMPSON GUMPERTZ & HEGER INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, SGH PROFIT SHARING & 401(K) PLAN AND TRUST, SIMPSON GUMPERTZ & HEGER INC.

SIMPSON GUMPERTZ & HEGER INC.EIN 04-2256923Plan #001PY 2021

480 TOTTEN POND RD. - WALTHAM, MA 02451781-907-9000sgh.comLinkedIn501-1000 employeescivil engineering

Prospect flagsHigh feesHigh assets / participantCorrective distributions

How to read this page

Total assets (EOY)

$394.8M

-6.9% from 2016

Total participants

969

-6.4% from 2016

Average account balance

$421,826

-1.5% from 2016

Annual return

16.99%

-6.12 pp from 2016

Benchmarks

See 2,991 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants250-999

Cohort2,991 peers

Snapshot2021

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

Analytics

Total assets (EOY)

Plan-year ending balance

$464.07M

Not enough data

1 years with asset history on file

Average account balance

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

$439K

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.

1,056

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.

95.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$22.79M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$30K

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

+14.87%

Not enough data

1 years with return on file

Admin fee / account holder

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

$214

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 8 by compensation

Provider	Service type	Compensation
BOSTON TRUST WALDEN COMPANY1 year Filed as: BOSTON TRUST & INVESTMENT MANAGEMEN Service code 28 · EIN 04-2273811	Investment Management	$106,087
CHARLES SCHWAB & CO., INC.3 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833	Recordkeeping	$90,965
CAMBRIDGE TRUST COMPANY1 year Service code 28 · EIN 04-1145370	Investment Management	$82,683
GLOBAL RETIREMENT PARTNERS LLC2 years Service code 28 · EIN 47-1411118	Investment Management	$55,000
WITHUMSMITH+BROWN, PC1 year Filed as: PARKER BROWN & MACAULAYM PC Service code 29 · EIN 04-3422478	Legal	$23,415
SIGNATURE ESTATE & INVESTMENT6 years Service code 26 · EIN 95-4806910	Advisory (Participants)	$12,029
CHARLES SCHWAB & CO., INC.6 years Service code 33 · EIN 94-1737782	Float revenue; Securities brokerage; ...	$1,234
CHARLES SCHWAB & CO., INC.7+ years Filed as: CHARLES SCHWAB & CO. INC. AND AFFIL Service code 59	Shareholder Servicing	$0

Plan features & details

Pension benefit codes2E2F2G2J2K2T3D

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.
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

$373K

$601 / participant

Investment mgmt$258K69.3%
Other / not subdivided$114K30.7%

% of EOY assets

0.094%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: MAYER HOFFMAN MCCANN, P.C.
Auditor EIN: 431947695
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$421,826

$104,336+304.3%

$159,495+164.5%

$86,828+385.8%

Participation rate

94.7%

77.7%+17.0pp

82.8%+11.8pp

72.3%+22.4pp

Annual return

16.99%

26.32%-9.3pp

263.72%-246.7pp

97.95%-81.0pp

Employer contribution / active EE

$18,095

$3,451+424.3%

$4,831+274.5%

$2,406+652.0%

Participant deferral / active EE

$8,514

$6,837+24.5%

$7,354+15.8%

$4,132+106.1%

Admin fee / account holder

$398

$172+131.1%

$10,804-96.3%

$170+134.7%

Provider

Service type

Compensation

BOSTON TRUST WALDEN COMPANY1 year

Filed as: BOSTON TRUST & INVESTMENT MANAGEMEN

Service code 28 · EIN 04-2273811

Investment Management

$106,087

CHARLES SCHWAB & CO., INC.3 years

Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC

Service code 15 · EIN 34-1479833

Recordkeeping

$90,965

CAMBRIDGE TRUST COMPANY1 year

Service code 28 · EIN 04-1145370

Investment Management

$82,683

GLOBAL RETIREMENT PARTNERS LLC2 years

Service code 28 · EIN 47-1411118

Investment Management

$55,000

WITHUMSMITH+BROWN, PC1 year

Filed as: PARKER BROWN & MACAULAYM PC

Service code 29 · EIN 04-3422478

Legal

$23,415

SIGNATURE ESTATE & INVESTMENT6 years

Service code 26 · EIN 95-4806910

Advisory (Participants)

$12,029

CHARLES SCHWAB & CO., INC.6 years

Service code 33 · EIN 94-1737782

Float revenue; Securities brokerage; ...

$1,234

CHARLES SCHWAB & CO., INC.7+ years

Filed as: CHARLES SCHWAB & CO. INC. AND AFFIL

Service code 59

Shareholder Servicing

SGH PROFIT SHARING & 401(K) PLAN AND TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

SGH PROFIT SHARING & 401(K) PLAN AND TRUST

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