Sema Construction, Inc. 401(k) Review & Grade
Sema Construction, Inc. 401(k) Retirement Savings Plan
Centennial, COConstruction844 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,584Employer $ per active participant
$2,976Employee $ saved per active participant
0.31%Direct admin cost, % of plan assets
$40.8MNet plan assets, end of year
$58,776Average balance per account
Score breakdown
- Employer generosity23.7 / 5047th percentile for employer $ per participant
- Low cost9.7 / 2539th percentile for low admin cost vs. same-size plans
- Employee saving5.3 / 1536th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score36 / 100 · Grade D
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 47th |
| Lower admin cost | 39th |
| Employee saving | 36th |
| Peers that auto-enroll | 44% |
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Red flags from the filing
Auditor concern: the independent auditor gave a qualified or adverse opinion.
Corrective distributions: the plan refunded $17,799 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Sema Construction put in about $1,584 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.
- 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 | $1,336,733 |
| Participant (employee) contributions | $2,511,724 |
| Other contributions (incl. rollovers in) | $312,248 |
| Administrative expenses paid from the plan | $120,224 |
| Investment advisory & management fees | $7,099 |
| Benefits paid out | $3,433,225 |
| Net assets, start / end of year | $35.8M / $40.8M |
| Active participants, start / end of year | 799 / 889 |
| Participants with account balances | 694 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Martin, Vejvoda and Associates |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $113,125 reported compensation |
| Northwestern Mutual Investment Serv | $29,673 reported compensation |
| Mesirow Financial, Inc. | $7,099 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260414155436NAL0011186515001, received 2026-04-14, EIN 84-1163868, plan #001, plan year 2024-07-01 to 2025-06-30. Verify at efast.dol.gov.