CCG Services, Inc. 401(k) Review & Grade
CCG Services, Inc. Retirement Savings Plan · d/b/a CCG Services, Inc.
Frisco, TXConstruction1,479 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,519Employer $ per active participant
$5,730Employee $ saved per active participant
0.16%Direct admin cost, % of plan assets
$106.0MNet plan assets, end of year
$83,806Average balance per account
Score breakdown
- Employer generosity34.1 / 5068th percentile for employer $ per participant
- Low cost15.5 / 2562th percentile for low admin cost vs. same-size plans
- Employee saving10.9 / 1573th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score51 / 100 · Grade C
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 68th |
| Lower admin cost | 62th |
| Employee saving | 73th |
| Peers that auto-enroll | 44% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($25,108 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $409 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- CCG Services put in about $2,519 per active participant, more than the typical peer ($1,672). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $3,724,958 |
| Participant (employee) contributions | $8,474,036 |
| Other contributions (incl. rollovers in) | $1,703,759 |
| Administrative expenses paid from the plan | $151,143 |
| Investment advisory & management fees | $43,886 |
| Benefits paid out | $7,456,499 |
| Net assets, start / end of year | $87.8M / $106.0M |
| Active participants, start / end of year | 1,362 / 1,596 |
| Participants with account balances | 1,265 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cbiz Cpa's P.C. |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $107,904 reported compensation |
| Sym Financial Corporation | $43,886 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009080819NAL0003727891001, received 2025-10-09, EIN 37-1076260, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.