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 (2020) 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 2020

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

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$19.2M

+19.4% from 2019

Total participants

137

0.0% from 2019

Average account balance

$143,050

+19.4% from 2019

Annual return

15.72%

-8.36 pp from 2019

Benchmarks

See 26,418 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants25-99

Cohort26,418 peers

Snapshot2020

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 17 by compensation

Provider	Service type	Compensation
MASSACHUSETTS MUTUAL LIFE INS. CO.3 years Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 49 · EIN 04-1590850	Other Services	$51,549
CAMBRIDGE INVESTMENT RESEARCH2 years Filed as: CAMBRIDGE INVESTMENT RESEARCH ADVIS Service code 27 · EIN 39-1897480	Advisory (Plan)	$21,442
USI CONSULTING GROUP1 year Filed as: USI ADVISORS, INC. Service code 27 · EIN 06-1397347	Advisory (Plan)	$17,084
KELLEY FINANCIAL SERVICES, INC.5 years Service code 13 · EIN 47-0800241	Contract Administrator	$8,702
AB FUNDS4 years Service code 52 · EIN 13-4071393	Indirect Investment Fees	$0
ALGER4 years Service code 52 · EIN 13-2665689	Indirect Investment Fees	$0
AMERICAN CENTURY4 years Service code 52 · EIN 43-1646043	Indirect Investment Fees	$0
AMERICAN FUNDS4 years Service code 52 · EIN 95-2817150	Indirect Investment Fees	$0
BLACKROCK1 year Service code 52 · EIN 22-3483675	Indirect Investment Fees	$0
COLUMBIA4 years Service code 52 · EIN 56-0906609	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

1 tripped

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

$52K

$526 / participant

Investment mgmt$50K97.4%
Contract admin$1K2.6%

% of EOY assets

0.269%

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

$143,050

$98,776+44.8%

$149,745-4.5%

$79,856+79.1%

Participation rate

96.9%

75.8%+21.1pp

82.5%+14.5pp

69.6%+27.3pp

Annual return

15.72%

27.38%-11.7pp

276.72%-261.0pp

31.71%-16.0pp

Employer contribution / active EE

$4,952

$3,217+53.9%

$4,646+6.6%

$2,471+100.4%

Participant deferral / active EE

$8,604

$5,681+51.4%

$6,843+25.7%

$3,741+130.0%

Admin fee / account holder

$385

$6,053-93.6%

$9,312-95.9%

$5,306-92.8%

Provider

Service type

Compensation

MASSACHUSETTS MUTUAL LIFE INS. CO.3 years

Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE

Service code 49 · EIN 04-1590850

Other Services

$51,549

CAMBRIDGE INVESTMENT RESEARCH2 years

Filed as: CAMBRIDGE INVESTMENT RESEARCH ADVIS

Service code 27 · EIN 39-1897480

Advisory (Plan)

$21,442

USI CONSULTING GROUP1 year

Filed as: USI ADVISORS, INC.

Service code 27 · EIN 06-1397347

Advisory (Plan)

$17,084

KELLEY FINANCIAL SERVICES, INC.5 years

Service code 13 · EIN 47-0800241

Contract Administrator

$8,702

AB FUNDS4 years

Service code 52 · EIN 13-4071393

Indirect Investment Fees

ALGER4 years

Service code 52 · EIN 13-2665689

Indirect Investment Fees

AMERICAN CENTURY4 years

Service code 52 · EIN 43-1646043

Indirect Investment Fees

AMERICAN FUNDS4 years

Service code 52 · EIN 95-2817150

Indirect Investment Fees

BLACKROCK1 year

Service code 52 · EIN 22-3483675

Indirect Investment Fees

COLUMBIA4 years

Service code 52 · EIN 56-0906609

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