Retirement plan

E & A CONSULTING GROUP, INC. 401-K FLEXIBLE SAVINGS PLAN & TRUST

Name: E & A CONSULTING GROUP, INC. - E & A CONSULTING GROUP, INC. 401-K FLEXIBLE SAVINGS PLAN & TRUST (2019) Form 5500
Creator: E & A CONSULTING GROUP, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, E & A CONSULTING GROUP, INC. 401-K FLEXIBLE SAVINGS PLAN & TRUST, E & A CONSULTING GROUP, INC.

E & A CONSULTING GROUP, INC.EIN 47-0609173Plan #004PY 2019

10909 MILL VALLEY RD., STE. 100 - OMAHA, NE 681543950402-895-4700eacg.comLinkedIn51-200 employeescivil engineering

Prospect flagsNo flags tripped

How to read this page

Total assets (EOY)

$16.1M

+29.4% from 2018

Total participants

137

+11.4% from 2018

Average account balance

$119,852

+16.9% from 2018

Annual return

24.09%

+27.73 pp from 2018

Benchmarks

See 25,909 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants25-99

Cohort25,909 peers

Snapshot2019

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

Analytics

Total assets (EOY)

Plan-year ending balance

$25.77M

Not enough data

1 years with asset history on file

Average account balance

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

$140K

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.

184

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.

98.6%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$2.04M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$15K

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

+13.73%

Not enough data

1 years with return on file

Admin fee / account holder

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

$467

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 10 of 12 by compensation

Provider	Service type	Compensation
CAMBRIDGE INVESTMENT RESEARCH1 year Filed as: CAMBRIDGE INVESTMENT RESEARCH ADVIS Service code 27 · EIN 39-1897480	Advisory (Plan)	$34,459
KELLEY FINANCIAL SERVICES, INC.4 years Service code 13 · EIN 47-0800241 17110 MARCY STREET · OMAHA, NE 68118	Contract Administrator	$9,991
MASSACHUSETTS MUTUAL LIFE INS. CO.2 years Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 49 · EIN 04-1590850	Other Services	$9,020
AB FUNDS3 years Service code 52 · EIN 13-4071393	Indirect Investment Fees	$0
ALGER3 years Service code 52 · EIN 13-2665689	Indirect Investment Fees	$0
AMERICAN CENTURY3 years Service code 52 · EIN 43-1646043	Indirect Investment Fees	$0
AMERICAN FUNDS3 years Service code 52 · EIN 95-1411037	Indirect Investment Fees	$0
COLUMBIA3 years Service code 52 · EIN 56-0906609	Indirect Investment Fees	$0
INVESCO3 years Service code 52 · EIN 22-3849391	Indirect Investment Fees	$0
MFS INVESTMENT MANAGEMENT3 years Service code 52 · EIN 04-2468583	Indirect Investment Fees	$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

0 tripped

No flags tripped for this filing year. This plan looks clean.

Expense breakdown

Schedule H Part II

Admin total

$9K

$94 / participant

Investment mgmt$7K78.6%
Contract admin$2K21.4%

% of EOY assets

0.056%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Disclaimer opinion

Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.

Auditor firm: LUTZ & COMPANY, PC
Auditor EIN: 470625816
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$119,852

$89,370+34.1%

$141,197-15.1%

$72,976+64.2%

Participation rate

96.9%

75.1%+21.7pp

82.5%+14.4pp

69.5%+27.4pp

Annual return

24.09%

111.88%-87.8pp

71.41%-47.3pp

81.02%-56.9pp

Employer contribution / active EE

$4,404

$3,115+41.4%

$4,736-7.0%

$2,440+80.5%

Participant deferral / active EE

$7,754

$5,419+43.1%

$6,710+15.6%

$3,608+114.9%

Admin fee / account holder

$67

$5,957-98.9%

$10,265-99.3%

$5,124-98.7%

Provider

Service type

Compensation

CAMBRIDGE INVESTMENT RESEARCH1 year

Filed as: CAMBRIDGE INVESTMENT RESEARCH ADVIS

Service code 27 · EIN 39-1897480

Advisory (Plan)

$34,459

KELLEY FINANCIAL SERVICES, INC.4 years

Service code 13 · EIN 47-0800241

17110 MARCY STREET · OMAHA, NE 68118

Contract Administrator

$9,991

MASSACHUSETTS MUTUAL LIFE INS. CO.2 years

Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE

Service code 49 · EIN 04-1590850

Other Services

$9,020

AB FUNDS3 years

Service code 52 · EIN 13-4071393

Indirect Investment Fees

ALGER3 years

Service code 52 · EIN 13-2665689

Indirect Investment Fees

AMERICAN CENTURY3 years

Service code 52 · EIN 43-1646043

Indirect Investment Fees

AMERICAN FUNDS3 years

Service code 52 · EIN 95-1411037

Indirect Investment Fees

COLUMBIA3 years

Service code 52 · EIN 56-0906609

Indirect Investment Fees

INVESCO3 years

Service code 52 · EIN 22-3849391

Indirect Investment Fees

MFS INVESTMENT MANAGEMENT3 years

Service code 52 · EIN 04-2468583

Indirect Investment Fees

E & A CONSULTING GROUP, INC. 401-K FLEXIBLE SAVINGS PLAN & TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

E & A CONSULTING GROUP, INC. 401-K FLEXIBLE SAVINGS PLAN & 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