Retirement plan

CURTIS CONTRACTING, INC. 401(K) PROFIT SHARING PLAN

Name: CURTIS CONTRACTING, INC. - CURTIS CONTRACTING, INC. 401(K) PROFIT SHARING PLAN (2025) Form 5500
Creator: CURTIS CONTRACTING, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CURTIS CONTRACTING, INC. 401(K) PROFIT SHARING PLAN, CURTIS CONTRACTING, INC.

CURTIS CONTRACTING, INC.EIN 54-1325318Plan #001PY 2025

P.O.BOX 769 - WEST POINT, VA 23181804-843-4633curtiscontracting.netLinkedIn201-500 employeesconstruction

Prospect flagsHigh feesLow participant contributionFailed to transmit contributions

How to read this page

Total assets (EOY)

$10.3M

+6.9% from 2024

Total participants

203

-13.6% from 2024

Average account balance

$66,217

+59.0% from 2024

Annual return

10.85%

-6.85 pp from 2024

Benchmarks

See 444 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants100-249

Cohort444 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$10.33M

Not enough data

1 years with asset history on file

Average account balance

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

$66K

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.

156

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.

74.5%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$988K

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

+10.85%

Not enough data

1 years with return on file

Admin fee / account holder

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

$310

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 1 by compensation

Provider	Service type	Compensation
SUNTRUST BANKS, INC.5 years Filed as: TRUIST INVESTMENT SERVICES Service code 27 · EIN 58-1648698 2ND FLOOR · GLEN ALLEN, VA 23060	Advisory (Plan)	$47,995

Plan features & details

Pension benefit codes2A2E2H2J3D3H

Plan features

2A
Age/service weighted or new comparability plan
Age/service weighted plan where allocations are based on age service or age and service; or new comparability or similar plan where allocations are based on participant classifications consisting entirely or predominantly of highly compensated employees or the plan provides an additional allocation rate on compensation above a specified threshold that exceeds the permitted disparity limits of Code section 401(l).
2E
Profit-sharing
Profit-sharing plan.
2H
Partial participant-directed account plan
Participants have the opportunity to direct the investment of a portion 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.
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

3 tripped

OpportunityLow participant contribution
Participant 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.)
ComplianceFailed to transmit contributions
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).

Expense breakdown

Schedule H Part II

Admin total

$48K

$263 / participant

Recordkeeping$3250.7%
Investment mgmt$48K99.3%

% of EOY assets

0.468%

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: WELLS, COLEMAN AND COMPANY LLP
Auditor EIN: 540593442
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$66,217

$83,843-21.0%

$123,973-46.6%

$65,306+1.4%

Participation rate

74.5%

56.0%+18.5pp

76.7%-2.2pp

57.7%+16.8pp

Annual return

10.85%

19.87%-9.0pp

388.13%-377.3pp

21.94%-11.1pp

Employer contribution / active EE

$4,582

$2,873+59.5%

$4,126+11.1%

$1,967+132.9%

Participant deferral / active EE

$785

$2,997-73.8%

$5,247-85.0%

$2,959-73.5%

Admin fee / account holder

$310

$4,735-93.5%

$11,799-97.4%

$3,480-91.1%

Provider

Service type

Compensation

SUNTRUST BANKS, INC.5 years

Filed as: TRUIST INVESTMENT SERVICES

Service code 27 · EIN 58-1648698

2ND FLOOR · GLEN ALLEN, VA 23060

Advisory (Plan)

$47,995

CURTIS CONTRACTING, INC. 401(K) PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CURTIS CONTRACTING, INC. 401(K) PROFIT SHARING PLAN

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