Retirement plan

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

Name: RIVERSIDE CONTRACTING, INC. - MONTANA CONTRACTORS ASSOC, INC. 401(K) RETIREMENT PLAN & TRUST (2020) 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 2020

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

Other plans on this EIN

1 filing

#002Retirement-$20.8M assets

Prospect flagsLow participation

How to read this page

Total assets (EOY)

$6.2M

+12.4% from 2019

Total participants

347

-4.1% from 2019

Average account balance

$26,971

+2.2% from 2019

Annual return

11.25%

-9.70 pp from 2019

Benchmarks

See 1,282 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants250-999

Cohort1,282 peers

Snapshot2020

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 3 by compensation

Provider	Service type	Compensation
LOOMIS SAYLES5 years Filed as: LOOMIS, SAYLES & COMPANY, L.P. Service code 28 · EIN 04-3200030	Investment Management	$8,905
SCHAFER CULLEN CAPITAL MANAGEMENT,6+ years Service code 28 · EIN 13-3089070	Investment Management	$7,259
ADMN COMMITTEE, MT CONTRACTORS ASSN6+ years Service code 14 · EIN 81-0448832	Plan Administrator	$5,893

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

$146 / participant

Investment mgmt$29K78.4%
Other / not subdivided$8K21.6%

% of EOY assets

0.605%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: EIDE BAILLY LLP
Auditor EIN: 450250958
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$26,971

$91,517-70.5%

$101,275-73.4%

$73,412-63.3%

Participation rate

54.7%

73.8%-19.1pp

75.8%-21.2pp

72.2%-17.5pp

Annual return

11.25%

17.17%-5.9pp

46.48%-35.2pp

59.30%-48.0pp

Employer contribution / active EE

$2,877-100.0%

$3,660-100.0%

$2,234-100.0%

Participant deferral / active EE

$2,249

$3,338-32.6%

$4,371-48.5%

$3,806-40.9%

Admin fee / account holder

$163

$216-24.4%

$5,948-97.3%

$158+3.4%

Provider

Service type

Compensation

LOOMIS SAYLES5 years

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

Service code 28 · EIN 04-3200030

Investment Management

$8,905

SCHAFER CULLEN CAPITAL MANAGEMENT,6+ years

Service code 28 · EIN 13-3089070

Investment Management

$7,259

ADMN COMMITTEE, MT CONTRACTORS ASSN6+ years

Service code 14 · EIN 81-0448832

Plan Administrator

$5,893

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