Retirement plan

MONTANA CONTRACTORS ASSOC, INC. 401(K) RETIREMENT PLAN & TRUST

Name: CENTURY COMPANIES, INC. - MONTANA CONTRACTORS ASSOC, INC. 401(K) RETIREMENT PLAN & TRUST (2016) Form 5500
Creator: CENTURY COMPANIES, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, MONTANA CONTRACTORS ASSOC, INC. 401(K) RETIREMENT PLAN & TRUST, CENTURY COMPANIES, INC.

CENTURY COMPANIES, INC.EIN 81-0359330Plan #002PY 2016

PO BOX 579 - LEWISTOWN, MT 59457406-535-1200centuryci.comLinkedIn51-200 employeesconstruction

Other plans on this EIN

1 filing

#001Retirement-$11.6M assets

Prospect flagsLow assets / participantLow employer contribution

How to read this page

Total assets (EOY)

$4.7M

+11.7% from 2015

Total participants

260

+1.6% from 2015

Average account balance

$19,598

+13.1% from 2015

Annual return

5.97%

+5.39 pp from 2015

Benchmarks

See 2,382 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants100-249

Cohort2,382 peers

Snapshot2016

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

Analytics

Total assets (EOY)

Plan-year ending balance

$8.86M

Not enough data

1 years with asset history on file

Average account balance

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

$30K

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.

298

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.

100.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$945K

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

+14.28%

Not enough data

1 years with return on file

Admin fee / account holder

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

$177

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
ADMN COMMITTEE, MT CONTRACTORS ASSN2+ years Service code 14 · EIN 81-0448832	Plan Administrator	$7,558
SCHAFER CULLEN CAPITAL MANAGEMENT,2+ years Service code 28 · EIN 13-3089070	Investment Management	$7,453
LOOMIS SAYLES2+ years Filed as: LOOMIS, SAYLES & COMPANY, L.P. Service code 28 · EIN 04-3200030	Investment Management	$6,473
MERRILL LYNCH PIERCE FENNER & SMITH1 year Filed as: MERRILL LYNCH, PIERCE, FENNER & SMI Service code 27 · EIN 13-5674085	Advisory (Plan)	$5,399

Plan features & details

Pension benefit codes2E2J3H

Plan features

2E
Profit-sharing
Profit-sharing plan.
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.
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

2 tripped

OpportunityLow employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.
OpportunityLow assets / participant
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.

Expense breakdown

Schedule H Part II

Admin total

$37K

$196 / participant

Investment mgmt$28K76.4%
Other / not subdivided$9K23.6%

% of EOY assets

0.782%

all-in expense ratio

Categories reported

1 / 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: EIDE BAILLY LLP
Auditor EIN: 450250958
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$19,598

$52,884-62.9%

$84,753-76.9%

$55,167-64.5%

Participation rate

90.5%

67.5%+23.0pp

76.6%+13.9pp

69.0%+21.5pp

Annual return

5.97%

18.03%-12.1pp

22.78%-16.8pp

169.23%-163.3pp

Employer contribution / active EE

$149

$2,233-93.4%

$3,574-95.8%

$1,963-92.4%

Participant deferral / active EE

$1,875

$2,644-29.1%

$3,712-49.5%

$3,054-38.6%

Admin fee / account holder

$153

$581-73.6%

$5,333-97.1%

$504-69.6%

Provider

Service type

Compensation

ADMN COMMITTEE, MT CONTRACTORS ASSN2+ years

Service code 14 · EIN 81-0448832

Plan Administrator

$7,558

SCHAFER CULLEN CAPITAL MANAGEMENT,2+ years

Service code 28 · EIN 13-3089070

Investment Management

$7,453

LOOMIS SAYLES2+ years

Filed as: LOOMIS, SAYLES & COMPANY, L.P.

Service code 28 · EIN 04-3200030

Investment Management

$6,473

MERRILL LYNCH PIERCE FENNER & SMITH1 year

Filed as: MERRILL LYNCH, PIERCE, FENNER & SMI

Service code 27 · EIN 13-5674085

Advisory (Plan)

$5,399

MONTANA CONTRACTORS ASSOC, INC. 401(K) RETIREMENT PLAN & TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

MONTANA CONTRACTORS ASSOC, INC. 401(K) RETIREMENT 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