MWH Constructors, Inc 401(k) Review & Grade
MWH Constructors 401(k) Plan
Broomfield, COConstruction696 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$5,500Employer $ per active participant
$8,633Employee $ saved per active participant
0.20%Direct admin cost, % of plan assets
$67.7MNet plan assets, end of year
$72,774Average balance per account
Score breakdown
- Employer generosity44.8 / 5090th percentile for employer $ per participant
- Low cost13.7 / 2555th percentile for low admin cost vs. same-size plans
- Employee saving13.4 / 1589th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score65 / 100 · Grade B
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 90th |
| Lower admin cost | 55th |
| Employee saving | 89th |
| 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
Late deposits: the filing says some employee contributions were not sent to the plan on time ($720,526 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- MWH Constructors put in about $5,500 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 | $3,828,178 |
| Participant (employee) contributions | $6,008,505 |
| Other contributions (incl. rollovers in) | $471,580 |
| Administrative expenses paid from the plan | $124,089 |
| Investment advisory & management fees | $58,691 |
| Benefits paid out | $7,867,724 |
| Net assets, start / end of year | $57.9M / $67.7M |
| Active participants, start / end of year | 655 / 737 |
| Participants with account balances | 930 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Windes |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $65,398 reported compensation |
| Creative Planning LLC | $58,691 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015112903NAL0005938880001, received 2025-10-15, EIN 84-1242056, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.