Emcor Facilities Services, Inc. 401(k) Review & Grade
Emcor Facilities Services, Inc. Field Employees' 401(k) Plan
Norwalk, CTConstruction2,861 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$306Employer $ per active participant
$1,024Employee $ saved per active participant
0.12%Direct admin cost, % of plan assets
$39.4MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity4.7 / 509th percentile for employer $ per participant
- Low cost12.9 / 2552th percentile for low admin cost vs. same-size plans
- Employee saving1.4 / 159th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score22 / 100 · Grade F
This plan vs. peers
Peers: Construction plans with 2,500–9,999 active participants (76 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 9th |
| Lower admin cost | 52th |
| Employee saving | 9th |
| Peers that auto-enroll | 57% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Emcor Facilities Services put in about $306 per active participant, below the typical peer ($1,965). Any match is still an instant return, so contribute enough to get all of it.
- 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.
- 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 | $874,833 |
| Participant (employee) contributions | $2,929,376 |
| Other contributions (incl. rollovers in) | $143,628 |
| Administrative expenses paid from the plan | $44,306 |
| Other admin expenses | $18,743 |
| Benefits paid out | $4,914,413 |
| Net assets, start / end of year | $36.2M / $39.4M |
| Active participants, start / end of year | 3,053 / 2,669 |
| Participants with account balances | 879 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Ernst & Young, LLP |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $44,306 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014180545NAL0007091026001, received 2025-10-14, EIN 31-0873334, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.