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 (2020) 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 2020

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

Other plans on this EIN

1 filing

#002Retirement-$12.9M assets

Prospect flagsLow returns

How to read this page

Total assets (EOY)

$6.5M

+1.5% from 2019

Total participants

234

-0.4% from 2019

Average account balance

$27,935

+1.9% from 2019

Annual return

10.48%

-9.53 pp from 2019

Benchmarks

See 2,939 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants100-249

Cohort2,939 peers

Snapshot2020

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 3 by compensation

Provider	Service type	Compensation
LOOMIS SAYLES6+ years Filed as: LOOMIS, SAYLES & COMPANY, L.P. Service code 28 · EIN 04-3200030	Investment Management	$9,587
SCHAFER CULLEN CAPITAL MANAGEMENT,6+ years Service code 28 · EIN 13-3089070	Investment Management	$7,815
ADMN COMMITTEE, MT CONTRACTORS ASSN6+ years Service code 14 · EIN 81-0448832	Plan Administrator	$6,138

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

1 tripped

OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$40K

$249 / participant

Investment mgmt$32K79.0%
Other / not subdivided$8K21.0%

% of EOY assets

0.614%

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

$27,935

$69,383-59.7%

$101,275-72.4%

$73,497-62.0%

Participation rate

100.0%

68.4%+31.6pp

75.8%+24.2pp

70.7%+29.3pp

Annual return

10.48%

18.46%-8.0pp

46.48%-36.0pp

28.51%-18.0pp

Employer contribution / active EE

$656

$2,628-75.1%

$3,660-82.1%

$2,270-71.1%

Participant deferral / active EE

$1,683

$3,301-49.0%

$4,371-61.5%

$3,740-55.0%

Admin fee / account holder

$172

$704-75.6%

$5,948-97.1%

$513-66.6%

Provider

Service type

Compensation

LOOMIS SAYLES6+ years

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

Service code 28 · EIN 04-3200030

Investment Management

$9,587

SCHAFER CULLEN CAPITAL MANAGEMENT,6+ years

Service code 28 · EIN 13-3089070

Investment Management

$7,815

ADMN COMMITTEE, MT CONTRACTORS ASSN6+ years

Service code 14 · EIN 81-0448832

Plan Administrator

$6,138

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