Retirement plan

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

Name: RIVERSIDE CONTRACTING, INC. - MONTANA CONTRACTORS ASSOC, INC. 401(K) RETIREMENT PLAN & TRUST (2019) Form 5500
Creator: RIVERSIDE CONTRACTING, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, MONTANA CONTRACTORS ASSOC, INC. 401(K) RETIREMENT PLAN & TRUST, RIVERSIDE CONTRACTING, INC.

RIVERSIDE CONTRACTING, INC.EIN 81-0393633Plan #003PY 2019

5571 ALLOY SOUTH - MISSOULA, MT 59808406-721-9267LinkedIn51-200 employeestransportation/trucking/railroad

Other plans on this EIN

1 filing

#002Retirement-$19.7M assets

Prospect flagsLow participation

How to read this page

Total assets (EOY)

$5.5M

+28.0% from 2018

Total participants

362

+7.7% from 2018

Average account balance

$26,403

+20.1% from 2018

Annual return

20.95%

+25.66 pp from 2018

Benchmarks

See 1,257 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants250-999

Cohort1,257 peers

Snapshot2019

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

Analytics

Total assets (EOY)

Plan-year ending balance

$8.16M

Not enough data

1 years with asset history on file

Average account balance

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

$37K

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.

221

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.

52.1%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$602K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$3K

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

+13.71%

Not enough data

1 years with return on file

Admin fee / account holder

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

$212

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
LOOMIS SAYLES4 years Filed as: LOOMIS, SAYLES & COMPANY, L.P. Service code 28 · EIN 04-3200030	Investment Management	$7,370
SCHAFER CULLEN CAPITAL MANAGEMENT,5+ years Service code 28 · EIN 13-3089070	Investment Management	$7,308
MERRILL LYNCH PIERCE FENNER & SMITH2 years Filed as: MERRILL LYNCH, PIERCE, FENNER & SMI Service code 27 · EIN 13-5674085	Advisory (Plan)	$6,015
ADMN COMMITTEE, MT CONTRACTORS ASSN5+ years Service code 14 · EIN 81-0448832	Plan Administrator	$5,166

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

1 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.

Expense breakdown

Schedule H Part II

Admin total

$38K

$137 / participant

Investment mgmt$31K80.6%
Other / not subdivided$7K19.4%

% of EOY assets

0.694%

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

$26,403

$66,650-60.4%

$92,915-71.6%

$67,582-60.9%

Participation rate

45.2%

72.5%-27.3pp

76.0%-30.8pp

71.3%-26.1pp

Annual return

20.95%

92.64%-71.7pp

109.45%-88.5pp

378.57%-357.6pp

Employer contribution / active EE

$2,777-100.0%

$3,653-100.0%

$2,148-100.0%

Participant deferral / active EE

$1,535

$3,160-51.4%

$4,238-63.8%

$3,539-56.6%

Admin fee / account holder

$183

$199-7.9%

$5,796-96.8%

$142+28.8%

Provider

Service type

Compensation

LOOMIS SAYLES4 years

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

Service code 28 · EIN 04-3200030

Investment Management

$7,370

SCHAFER CULLEN CAPITAL MANAGEMENT,5+ years

Service code 28 · EIN 13-3089070

Investment Management

$7,308

MERRILL LYNCH PIERCE FENNER & SMITH2 years

Filed as: MERRILL LYNCH, PIERCE, FENNER & SMI

Service code 27 · EIN 13-5674085

Advisory (Plan)

$6,015

ADMN COMMITTEE, MT CONTRACTORS ASSN5+ years

Service code 14 · EIN 81-0448832

Plan Administrator

$5,166

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