Plan Ledger DOL Form 5500 · updated monthly

Central Plumbing and Heating Co Inc401(k)

CENTRAL PLUMBING AND HEATING, INC 401K PROFIT SHARING PLAN · GREAT FALLS, MT · plan year 2024

Reported admin expense ratio · 2024
0.55%

Peer grade: B · admin costs + employer contributions vs same-size plans · how grading works

Central Plumbing and Heating Co Inc reported $107,092 in plan administrative expenses for 2024: 0.55% of average plan assets, higher than ~75% of peers. Employer contributions averaged $9,404 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.

Across the 2 years on file its reported administrative ratio rose from 0.17% to 0.55%. The plan sits in the $10M–$50M size bracket, benchmarked here against 27,838 comparable plans and shown alongside other construction employers. By assets it is the 67th-largest of 229 plans among Montana employers on file, and the 1,941st of 5,337 in construction. In 2024, the employer put in $1.84 for every $1.00 employees contributed themselves.

Plan summary
Net assets, end of year$21,264,484
Participants with balances217
Active participants165
Employer contributions$1,551,649
Employee contributions$844,740
Employer contribution per active participant$9,404
Average account balance$97,993
Benefits paid to participants$884,822
Plan auditUnmodified (clean) audit opinion
AuditorWIPFLI LLP
Plan history3
Yearassets · accounts · employer contribution
2024$21.3M · 217 accts · $1.6M emplr
2023$17.5M · 232 accts · $1.3M emplr
2022$13.6M · 235 accts · $1.1M emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$107,092
Total administrative$107,092
The Central Plumbing and Heating Co Inc 401(k) match · 2024
Employer contribution per active participant$9,404
Median for plans this size$2,416
2024$9,404 per active participant
2023$7,671 per active participant
2022$6,682 per active participant

Central Plumbing and Heating Co Inc's 2024 employer contribution ran above the $2,416 median for plans its size, placing it in the top quarter of its peers. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.

What these fees cost you

Annual cost at the plan's reported 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20243
JCCS, PC · Contract administrator$3,300
RBC CAPITAL MARKETS LLCindirect comp

Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.

Administrative cost history3
2024$107,092 · 0.55%
2023$35,682 · 0.23%
2022$23,571 · 0.17%
Similar plansConstruction · Montana
Sletten, Inc. MT$86.7M · 0.03%
Riverside Contracting, Inc. MT$21.5M · 1.18%
On Site Management, Inc. MT$20.9M · 0.42%
Century Companies, Inc. MT$18.8M · 1.10%
Langlas & Associates, Inc. MT$17.8M · 0.18%

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Source: U.S. Department of Labor, Form 5500 series, EIN 810285765 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.