Retirement plan

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

Name: UNITED MATERIALS OF GREAT FALLS - MONTANA CONTRACTORS ASSOC, INC. 401(K) RETIREMENT PLAN & TRUST (2018) Form 5500
Creator: UNITED MATERIALS OF GREAT FALLS
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, MONTANA CONTRACTORS ASSOC, INC. 401(K) RETIREMENT PLAN & TRUST, UNITED MATERIALS OF GREAT FALLS

UNITED MATERIALS OF GREAT FALLSEIN 81-0406935Plan #003PY 2018

PO BOX 1690 - GREAT FALLS, MT 59403406-453-7692unitedmaterialsgtf.comLinkedIn51-200 employeesconstruction

Other plans on this EIN

1 filing

#002Retirement-$10.7M assets

Prospect flagsNo flags tripped

How to read this page

Total assets (EOY)

$5.2M

+0.7% from 2017

Total participants

244

+8.0% from 2017

Average account balance

$21,379

-5.6% from 2017

Annual return

-4.44%

-20.72 pp from 2017

Benchmarks

See 2,759 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants100-249

Cohort2,759 peers

Snapshot2018

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

Analytics

Total assets (EOY)

Plan-year ending balance

$8.58M

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.

232

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.

99.3%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$481K

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

+13.33%

Not enough data

1 years with return on file

Admin fee / account holder

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

$216

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
SCHAFER CULLEN CAPITAL MANAGEMENT,4+ years Service code 28 · EIN 13-3089070	Investment Management	$7,973
LOOMIS SAYLES4+ years Filed as: LOOMIS, SAYLES & COMPANY, L.P. Service code 28 · EIN 04-3200030	Investment Management	$7,256
ADMN COMMITTEE, MT CONTRACTORS ASSN4+ years Service code 14 · EIN 81-0448832	Plan Administrator	$6,832
MERRILL LYNCH PIERCE FENNER & SMITH2 years Filed as: MERRILL LYNCH, PIERCE, FENNER & SMI Service code 27 · EIN 13-5674085	Advisory (Plan)	$6,124

Plan features & details

Pension benefit codes2E2J

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.

Opportunity flags

0 tripped

No flags tripped for this filing year. This plan looks clean.

Expense breakdown

Schedule H Part II

Admin total

$41K

$261 / participant

Investment mgmt$33K79.1%
Other / not subdivided$9K20.9%

% of EOY assets

0.800%

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

$21,379

$55,449-61.4%

$83,831-74.5%

$56,289-62.0%

Participation rate

98.1%

68.0%+30.1pp

76.1%+22.0pp

69.9%+28.2pp

Annual return

-4.44%

-1.38%-3.1pp

850.99%-855.4pp

-9.96%+5.5pp

Employer contribution / active EE

$632

$2,430-74.0%

$3,631-82.6%

$2,111-70.1%

Participant deferral / active EE

$2,049

$2,935-30.2%

$4,082-49.8%

$3,350-38.8%

Admin fee / account holder

$171

$656-73.9%

$5,479-96.9%

$521-67.2%

Provider

Service type

Compensation

SCHAFER CULLEN CAPITAL MANAGEMENT,4+ years

Service code 28 · EIN 13-3089070

Investment Management

$7,973

LOOMIS SAYLES4+ years

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

Service code 28 · EIN 04-3200030

Investment Management

$7,256

ADMN COMMITTEE, MT CONTRACTORS ASSN4+ years

Service code 14 · EIN 81-0448832

Plan Administrator

$6,832

MERRILL LYNCH PIERCE FENNER & SMITH2 years

Filed as: MERRILL LYNCH, PIERCE, FENNER & SMI

Service code 27 · EIN 13-5674085

Advisory (Plan)

$6,124

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