Retirement plan

CAPITOL CONSTRUCTION SERVICES 401(K)

Name: CAPITOL CONSTRUCTION SERVICES, INC - CAPITOL CONSTRUCTION SERVICES 401(K) (2024) Form 5500
Creator: CAPITOL CONSTRUCTION SERVICES, INC
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CAPITOL CONSTRUCTION SERVICES 401(K), CAPITOL CONSTRUCTION SERVICES, INC

CAPITOL CONSTRUCTION SERVICES, INCEIN 35-2054647Plan #001PY 2024

11051 VILLAGE SQUARE LANE - FISHERS, IN 46038317-574-5488capitolconstruct.comLinkedIn51-200 employeesconstruction

Prospect flagsHigh feesLow employer contribution

How to read this page

Total assets (EOY)

$5.8M

+10.1% from 2023

Total participants

171

+1.8% from 2023

Average account balance

$37,555

+5.9% from 2023

Annual return

12.07%

-4.61 pp from 2023

Benchmarks

See 3,445 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants100-249

Cohort3,445 peers

Snapshot2024

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

Analytics

Total assets (EOY)

Plan-year ending balance

$5.82M

Not enough data

1 years with asset history on file

Average account balance

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

$38K

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.

155

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.

89.3%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$687K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$5K

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

+12.07%

Not enough data

1 years with return on file

Admin fee / account holder

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

$436

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 4 by compensation

Provider	Service type	Compensation
SHEPHERD FINANCIAL INVESTMENT ADVIS5 years Service code 27 111 CONGRESSIONAL BLVD STE 100 · CARMEL, IN 46032	Advisory (Plan)	$21,061
GREAT-WEST LIFE & ANNUITY INSURANCE3 years Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Recordkeeping Fees	$20,940
ASCENSUS LLC1 year Filed as: ASCENSUS HOLDINGS INC DBA FUTUREPLA Service code 13 101 W BRAODWAY STE 1420 · SAN DIEGO, CA 92101	Contract Administrator	$2,200
SHEPHERD PLAN PARTNERS, LLC1 year Filed as: SHEPHERD PLAN PARTNERS Service code 13 111 CONGRESSIONAL BLVD STE 100 · CARMEL, IN 46032	Contract Administrator	$450

Plan features & details

Pension benefit codes2E2F2G2J2K2S2T3D

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.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
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

OpportunityLow employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.
OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)

Expense breakdown

Schedule H Part II

Admin total

$68K

$450 / participant

Investment mgmt$21K31.2%
Contract admin$47K68.8%

% of EOY assets

1.161%

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: DULIN, WARD & DEWALD, INC.
Auditor EIN: 351344820
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$37,555

$80,763-53.5%

$102,412-63.3%

$74,459-49.6%

Participation rate

89.3%

65.7%+23.7pp

74.5%+14.8pp

67.2%+22.1pp

Annual return

12.07%

27.57%-15.5pp

24.94%-12.9pp

1369.70%-1357.6pp

Employer contribution / active EE

$456

$3,160-85.6%

$3,870-88.2%

$2,626-82.6%

Participant deferral / active EE

$4,125

$3,862+6.8%

$5,060-18.5%

$4,350-5.2%

Admin fee / account holder

$436

$2,371-81.6%

$8,388-94.8%

$1,945-77.6%

Provider

Service type

Compensation

SHEPHERD FINANCIAL INVESTMENT ADVIS5 years

Service code 27

111 CONGRESSIONAL BLVD STE 100 · CARMEL, IN 46032

Advisory (Plan)

$21,061

GREAT-WEST LIFE & ANNUITY INSURANCE3 years

Filed as: EMPOWER ANNUITY INSURANCE COMPANY O

Service code 64

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Recordkeeping Fees

$20,940

ASCENSUS LLC1 year

Filed as: ASCENSUS HOLDINGS INC DBA FUTUREPLA

Service code 13

101 W BRAODWAY STE 1420 · SAN DIEGO, CA 92101

Contract Administrator

$2,200

SHEPHERD PLAN PARTNERS, LLC1 year

Filed as: SHEPHERD PLAN PARTNERS

Service code 13

111 CONGRESSIONAL BLVD STE 100 · CARMEL, IN 46032

Contract Administrator

$450

CAPITOL CONSTRUCTION SERVICES 401(K)

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CAPITOL CONSTRUCTION SERVICES 401(K)

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