Retirement plan

4G PLUMBING & HEATING, INC. EMPLOYEES PROFIT SHARING PLAN

Name: 4G PLUMBING & HEATING, INC. - 4G PLUMBING & HEATING, INC. EMPLOYEES PROFIT SHARING PLAN (2023) Form 5500
Creator: 4G PLUMBING & HEATING, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, 4G PLUMBING & HEATING, INC. EMPLOYEES PROFIT SHARING PLAN, 4G PLUMBING & HEATING, INC.

4G PLUMBING & HEATING, INC.EIN 81-0307999Plan #002PY 2023

PO BOX 17140 - MISSOULA, MT 598087140406-728-1515

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$2.7M

+24.3% from 2022

Total participants

-15.4% from 2022

Average account balance

$243,502

+46.9% from 2022

Annual return

19.80%

+37.00 pp from 2022

Benchmarks

See 51,649 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants<25

Cohort51,649 peers

Snapshot2023

See peer percentile detail. $4.99 for your first month.

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Analytics

Total assets (EOY)

Plan-year ending balance

$4.70M

Not enough data

1 years with asset history on file

Average account balance

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

$470K

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.

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.

125.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$229K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$29K

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

+18.52%

Not enough data

1 years with return on file

Admin fee / account holder

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

$6154

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

0 years with F_SCH_H allocation on file

See the 10-year trajectory. $4.99 for your first month.

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Service providers

Providers data not reported

Schedule C was not filed on this plan's most recent Form 5500, so no compensated service providers are available to display.

Plan features & details

Pension benefit codes2E2F2G2J2T3D

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.
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

$12K

$1445 / participant

Other / not subdivided$12K100.0%

% of EOY assets

0.432%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

No opinion code on file for this filing.

Auditor firm: (not reported)
Auditor EIN: -
Audit fees: (not subdivided)
Opinion code: -

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$243,502

$106,515+128.6%

$96,683+151.9%

$139,434+74.6%

Participation rate

100.0%

77.8%+22.2pp

74.3%+25.7pp

80.3%+19.7pp

Annual return

19.80%

38.43%-18.6pp

35.69%-15.9pp

372.94%-353.1pp

Employer contribution / active EE

$2,851

$4,103-30.5%

$3,737-23.7%

$4,751-40.0%

Participant deferral / active EE

$10,489

$5,454+92.3%

$4,878+115.0%

$6,710+56.3%

Admin fee / account holder

$1,051

$7,877-86.7%

$6,730-84.4%

$11,403-90.8%

4G PLUMBING & HEATING, INC. EMPLOYEES PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

4G PLUMBING & HEATING, INC. EMPLOYEES 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