Plan Ledger DOL Form 5500 · updated monthly

Construction Industry Solutions401(k)

COINS USA RETIREMENT PLAN · LATHAM, NY · plan year 2024

Reported admin expense ratio · 2024
0.22%

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

Construction Industry Solutions reported $44,679 in plan administrative expenses for 2024: 0.22% of average plan assets, below the peer median. Employer contributions averaged $2,938 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 0.19% to 0.22%. The plan sits in the $10M–$50M size bracket, benchmarked here against 27,838 comparable plans and shown alongside other professional & technical services employers. By assets it is the 2,406th-largest of 5,648 plans among New York employers on file, and the 5,263rd of 11,654 in professional & technical services. In 2024, employees put in $2.12 for every $1.00 the employer contributed; active participation has grown from 121 to 211 since 2022.

Plan summary
Net assets, end of year$21,667,495
Participants with balances160
Active participants211
Employer contributions$619,944
Employee contributions$1,312,166
Employer contribution per active participant$2,938
Average account balance$135,422
Benefits paid to participants$2,136,974
Plan auditUnmodified (clean) audit opinion
AuditorSTOWE & DEGON LC
Plan history3
Yearassets · accounts · employer contribution
2024$21.7M · 160 accts · $620K emplr
2023$18.6M · 128 accts · $440K emplr
2022$16.7M · 132 accts · $474K emplr
Administrative expenses, itemized · 2024
Investment management$48,267
Total administrative$44,679
The Construction Industry Solutions 401(k) match · 2024
Employer contribution per active participant$2,938
Median for plans this size$2,416
2024$2,938 per active participant
2023$3,795 per active participant
2022$3,918 per active participant

Construction Industry Solutions's 2024 employer contribution ran above the $2,416 median for plans its size. 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 · 20242
EQUITABLE ADVISORS LLC · Investment advisory (plan)$48,267
FIDELITY INVESTMENTS INSTITUTIONAL · Loan processingindirect 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$44,679 · 0.22%
2023$39,871 · 0.23%
2022$32,938 · 0.19%
Same employer
Similar plansProfessional & Technical Services · New York
Scott-Macon, LTD. NY$22.0M · 0.39%
Coughlin & Gerhart, L.L.P. NY$21.8M · 0.01%
The Cementworks, LLC NY$21.7M · 0.50%
King & King Architects, LLP NY$21.5M · 0.22%
Herzfeld & Rubin, P.C. NY$21.3M · 0.34%
Taboola, Inc. NY$21.3M · 0.41%

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Source: U.S. Department of Labor, Form 5500 series, EIN 141583023 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.