PCL Construction Enterprises, Inc. 401(k) Review & Grade
Employee 401(k) Thrift Plan of PCL Construction Enterprises, Inc.
Denver, COConstruction1,867 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,865Employer $ per active participant
$9,060Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$349.4MNet plan assets, end of year
$144,661Average balance per account
Score breakdown
- Employer generosity42.1 / 5084th percentile for employer $ per participant
- Low cost20.5 / 2582th percentile for low admin cost vs. same-size plans
- Employee saving13.6 / 1591th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score76 / 100 · Grade A
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 84th |
| Lower admin cost | 82th |
| Employee saving | 91th |
| Peers that auto-enroll | 44% |
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Red flags from the filing
Corrective distributions: the plan refunded $4,060 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- PCL Construction Enterprises put in about $3,865 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 | $7,215,219 |
| Participant (employee) contributions | $16,914,167 |
| Other contributions (incl. rollovers in) | $3,475,201 |
| Administrative expenses paid from the plan | $222,879 |
| Investment advisory & management fees | $188,120 |
| Other admin expenses | $34,759 |
| Benefits paid out | $22,541,051 |
| Net assets, start / end of year | $303.5M / $349.4M |
| Active participants, start / end of year | 1,834 / 1,900 |
| Participants with account balances | 2,415 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | K Financial |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $78,390 reported compensation |
| Empower Advisory Group, LLC | $73,219 reported compensation |
| NFP Retirement Inc | $51,201 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008210449NAL0010007520001, received 2025-10-08, EIN 84-1017450, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.