Retirement plan

DC ENGINEERING 401(K) PLAN

Name: DC ENGINEERING, INC. - DC ENGINEERING 401(K) PLAN (2019) Form 5500
Creator: DC ENGINEERING, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, DC ENGINEERING 401(K) PLAN, DC ENGINEERING, INC.

DC ENGINEERING, INC.EIN 82-0507522Plan #001PY 2019

440 E. CORPORATE DR., SUITE 103 - MERIDIAN, ID 83642208-288-2181dcengineering.netLinkedIn51-200 employeesconstruction

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$4.6M

+57.1% from 2018

Total participants

166

+12.9% from 2018

Average account balance

$28,839

+46.2% from 2018

Annual return

31.53%

+42.57 pp from 2018

Benchmarks

See 5,552 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants100-249

Cohort5,552 peers

Snapshot2019

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

Analytics

Total assets (EOY)

Plan-year ending balance

$13.53M

Not enough data

1 years with asset history on file

Average account balance

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

$67K

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.

202

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.

89.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.49M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$8K

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

+18.07%

Not enough data

1 years with return on file

Admin fee / account holder

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

$303

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
GREAT-WEST LIFE & ANNUITY INSURANCE3 years Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Recordkeeping Fees	$31,286
MAYER HOFFMAN MCCANN P.C.2 years Filed as: MAYER HOFFMAN MCCANN PC Service code 10 · EIN 43-1947695 3101 N CENTRAL AVE #300 · PHOENIX, AZ 85012	Accounting	$15,500
AMERICAN FUNDS3 years Filed as: CAPITAL FINANCIAL SERVICES INC Service code 55 1 NORTH MAIN ST · MINOT, ND 58703	Other Commissions	$12,862
PINNACLE PENSION SERVICES3 years Service code 13	Contract Administrator	$3,591

Plan features & details

Pension benefit codes2A2E2G2J2K3D

Plan features

2A
Age/service weighted or new comparability plan
Age/service weighted plan where allocations are based on age service or age and service; or new comparability or similar plan where allocations are based on participant classifications consisting entirely or predominantly of highly compensated employees or the plan provides an additional allocation rate on compensation above a specified threshold that exceeds the permitted disparity limits of Code section 401(l).
2E
Profit-sharing
Profit-sharing plan.
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
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.
2K
Code section 401(m) arrangement
Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.

Opportunity flags

1 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)

Expense breakdown

Schedule H Part II

Admin total

$52K

$331 / participant

Investment mgmt$4K6.8%
Contract admin$33K64.2%
Other / not subdivided$15K29.0%

% of EOY assets

1.133%

all-in expense ratio

Categories reported

2 / 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: MAYER HOFFMAN MCCANN P.C.
Auditor EIN: 431947695
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$28,839

$89,652-67.8%

$141,191-79.6%

$65,185-55.8%

Participation rate

94.9%

74.7%+20.2pp

82.5%+12.4pp

70.2%+24.7pp

Annual return

31.53%

32.79%-1.3pp

71.41%-39.9pp

29.38%+2.2pp

Employer contribution / active EE

$1,910

$3,065-37.7%

$4,736-59.7%

$2,177-12.3%

Participant deferral / active EE

$3,581

$5,691-37.1%

$6,710-46.6%

$3,514+1.9%

Admin fee / account holder

$327

$569-42.5%

$10,264-96.8%

$847-61.4%

Provider

Service type

Compensation

GREAT-WEST LIFE & ANNUITY INSURANCE3 years

Service code 64

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Recordkeeping Fees

$31,286

MAYER HOFFMAN MCCANN P.C.2 years

Filed as: MAYER HOFFMAN MCCANN PC

Service code 10 · EIN 43-1947695

3101 N CENTRAL AVE #300 · PHOENIX, AZ 85012

Accounting

$15,500

AMERICAN FUNDS3 years

Filed as: CAPITAL FINANCIAL SERVICES INC

Service code 55

1 NORTH MAIN ST · MINOT, ND 58703

Other Commissions

$12,862

PINNACLE PENSION SERVICES3 years

Service code 13

Contract Administrator

$3,591

DC ENGINEERING 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

DC ENGINEERING 401(K) PLAN

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