Emcor Group, Inc. 401(k) Review & Grade
Emcor Group, Inc. 401(k) Savings Plan
Norwalk, CTConstruction12,985 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,287Employer $ per active participant
$6,415Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$1.7BNet plan assets, end of year
$109,900Average balance per account
Score breakdown
- Employer generosity34.9 / 5070th percentile for employer $ per participant
- Low cost19.5 / 2578th percentile for low admin cost vs. same-size plans
- Employee saving9.1 / 1560th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score74 / 100 · Grade B
This plan vs. peers
Peers: all industries, plans with 10,000+ active participants (fewer than 30 industry peers) (820 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 70th |
| Lower admin cost | 78th |
| Employee saving | 60th |
| Peers that auto-enroll | 50% |
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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 Group put in about $4,287 per active participant, more than the typical peer ($2,229). 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 auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $55,660,959 |
| Participant (employee) contributions | $83,303,690 |
| Other contributions (incl. rollovers in) | $9,436,651 |
| Administrative expenses paid from the plan | $641,583 |
| Other admin expenses | $242,450 |
| Benefits paid out | $170,645,663 |
| Net assets, start / end of year | $1.6B / $1.7B |
| Active participants, start / end of year | 13,005 / 12,965 |
| Participants with account balances | 15,733 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Ernst & Young, LLP |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $631,458 reported compensation |
| Buck Global LLC | $10,125 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014163202NAL0001686307001, received 2025-10-14, EIN 11-2125338, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.