Retirement plan

EMPIRE STATE HIGHWAY CONTRACTORS ASSOCIATION, INC. RETIREMENT PLAN FOR THE EMPLOYEES OF CCI COMPANIES, INC.

Name: CCI COMPANIES, INC. - EMPIRE STATE HIGHWAY CONTRACTORS ASSOCIATION, INC. RETIREMENT PLAN FOR THE EMPLOYEES OF CCI COMPANIES, INC. (2024) Form 5500
Creator: CCI COMPANIES, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, EMPIRE STATE HIGHWAY CONTRACTORS ASSOCIATION, INC. RETIREMENT PLAN FOR THE EMPLOYEES OF CCI COMPANIES, INC., CCI COMPANIES, INC.

CCI COMPANIES, INC.EIN 16-1430891Plan #001PY 2024

P.O. BOX 186 - CANASTOTA, NY 13032315-697-2547

Prospect flagsLow returnsHigh fees

How to read this page

Total assets (EOY)

$10.8M

-0.8% from 2023

Total participants

109

-3.5% from 2023

Average account balance

$105,168

+0.1% from 2023

Annual return

8.57%

-3.54 pp from 2023

Benchmarks

See 18,533 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants25-99

Cohort18,533 peers

Snapshot2024

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

Analytics

Total assets (EOY)

Plan-year ending balance

$10.83M

Not enough data

1 years with asset history on file

Average account balance

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

$105K

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.

103

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.

89.7%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$716K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$12K

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

+8.57%

Not enough data

1 years with return on file

Admin fee / account holder

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

$370

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

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Service providers

Top 2 by compensation

Provider	Service type	Compensation
FIRLEY, MORAN, FREER & EASSA,CPA PC1 year Filed as: FIRLEY, MORAN,FREER & EASSA,CPA P.C Service code 10 · EIN 16-1148763	Accounting	$12,852
MILLIMAN, INC.10+ years Filed as: MILLIMAN Service code 15 · EIN 91-0675641	Recordkeeping	$11,939

Plan features & details

Pension benefit codes2E3D3H

Plan features

2E
Profit-sharing
Profit-sharing plan.
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.)
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$38K

$657 / participant

Recordkeeping$12K31.3%
Contract admin$13K33.7%
Other / not subdivided$13K35.0%

% of EOY assets

0.352%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: FIRLEY, MORAN, FREER, & EASSA CPA
Auditor EIN: 161148763
Audit fees: $12,852
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$105,168

$81,487+29.1%

$102,412+2.7%

$80,935+29.9%

Participation rate

89.7%

66.8%+22.8pp

74.5%+15.2pp

67.7%+22.0pp

Annual return

8.57%

25.60%-17.0pp

24.94%-16.4pp

35.66%-27.1pp

Employer contribution / active EE

$12,337

$3,103+297.6%

$3,870+218.8%

$2,757+347.5%

Participant deferral / active EE

$3,871-100.0%

$5,060-100.0%

$4,299-100.0%

Admin fee / account holder

$370

$6,717-94.5%

$8,388-95.6%

$6,924-94.7%

Provider

Service type

Compensation

FIRLEY, MORAN, FREER & EASSA,CPA PC1 year

Filed as: FIRLEY, MORAN,FREER & EASSA,CPA P.C

Service code 10 · EIN 16-1148763

Accounting

$12,852

MILLIMAN, INC.10+ years

Filed as: MILLIMAN

Service code 15 · EIN 91-0675641

Recordkeeping

$11,939

EMPIRE STATE HIGHWAY CONTRACTORS ASSOCIATION, INC. RETIREMENT PLAN FOR THE EMPLOYEES OF CCI COMPANIES, INC.

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

EMPIRE STATE HIGHWAY CONTRACTORS ASSOCIATION, INC. RETIREMENT PLAN FOR THE EMPLOYEES OF CCI COMPANIES, INC.

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