Infrastructure Consulting & Engineering, PLLC 401(k) Review & Grade
Infrastructure Consulting & Engineering, PLLC 401(k) Plan
West Columbia, SCProfessional, Scientific & Technical Services507 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,673Employer $ per active participant
$9,118Employee $ saved per active participant
0.28%Direct admin cost, % of plan assets
$56.0MNet plan assets, end of year
$117,010Average balance per account
Score breakdown
- Employer generosity29.9 / 5060th percentile for employer $ per participant
- Low cost10.7 / 2543th percentile for low admin cost vs. same-size plans
- Employee saving7.6 / 1551th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score51 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 60th |
| Lower admin cost | 43th |
| Employee saving | 51th |
| Peers that auto-enroll | 48% |
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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
- Infrastructure Consulting & Engineering, PLLC put in about $3,673 per active participant, more than the typical peer ($3,082). 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.
- 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 | $1,861,961 |
| Participant (employee) contributions | $4,622,967 |
| Other contributions (incl. rollovers in) | $3,776,560 |
| Administrative expenses paid from the plan | $138,804 |
| Investment advisory & management fees | $72,645 |
| Benefits paid out | $3,117,713 |
| Net assets, start / end of year | $42.0M / $56.0M |
| Active participants, start / end of year | 479 / 535 |
| Participants with account balances | 479 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Stambaugh Ness, Inc. |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $66,159 reported compensation |
| Ameriprise Financial Services Inc | $51,449 reported compensation |
| Fintrust Capital Adv DBA Fintrust | $21,196 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250625092557NAL0011060480001, received 2025-06-25, EIN 45-3175330, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.