Pjtc Holdings, Inc. 401(k) Review & Grade
Pjtc Holdings, Inc. 401(k) Savings and Profit Sharing Plan
Pittsburgh, PAConstruction673 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$18,425Employer $ per active participant
$9,652Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$320.2MNet plan assets, end of year
$319,551Average balance per account
Score breakdown
- Employer generosity49.9 / 50100th percentile for employer $ per participant
- Low cost22.6 / 2590th percentile for low admin cost vs. same-size plans
- Employee saving13.9 / 1593th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score86 / 100 · Grade A
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 100th |
| Lower admin cost | 90th |
| Employee saving | 93th |
| Peers that auto-enroll | 44% |
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Red flags from the filing
Corrective distributions: the plan refunded $1,814 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Pjtc Holdings put in about $18,425 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.
- 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 | $12,399,746 |
| Participant (employee) contributions | $6,495,852 |
| Other contributions (incl. rollovers in) | $598,829 |
| Administrative expenses paid from the plan | $119,624 |
| Contract administrator fees | $48,239 |
| Investment advisory & management fees | $50,000 |
| Benefits paid out | $21,654,595 |
| Net assets, start / end of year | $284.8M / $320.2M |
| Active participants, start / end of year | 676 / 670 |
| Participants with account balances | 1,002 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bdo USA, P.C, |
Largest service providers (Schedule C)
| Newport Group, Inc. | $70,879 reported compensation |
| PNC Institutional Asset Management | $50,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014085550NAL0001142147001, received 2025-10-14, EIN 85-3282184, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.