Emcor Group, Inc. 401(k) Review & Grade
Emcor Group, Inc. and Subsidiaries Union Employees' 401(k) Plan
Norwalk, CTConstruction829 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$759Employer $ per active participant
$2,265Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$50.0MNet plan assets, end of year
$76,760Average balance per account
Score breakdown
- Employer generosity12.4 / 5025th percentile for employer $ per participant
- Low cost21.2 / 2585th percentile for low admin cost vs. same-size plans
- Employee saving3.9 / 1526th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score41 / 100 · Grade D
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 25th |
| Lower admin cost | 85th |
| Employee saving | 26th |
| Peers that auto-enroll | 44% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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 $759 per active participant, below the typical peer ($1,672). 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 | $629,111 |
| Participant (employee) contributions | $1,877,852 |
| Other contributions (incl. rollovers in) | $11,460 |
| Administrative expenses paid from the plan | $28,889 |
| Other admin expenses | $10,670 |
| Benefits paid out | $7,550,405 |
| Net assets, start / end of year | $49.4M / $50.0M |
| Active participants, start / end of year | 866 / 792 |
| Participants with account balances | 652 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Ernst & Young, LLP |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $28,889 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014174705NAL0007043314001, received 2025-10-14, EIN 11-2125338, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.