Clark Construction Group LLC 401(k) Review & Grade
Clark Group Field Retirement Plan
Bethesda, MDConstruction850 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$6,410Employer $ per active participant
$2,352Employee $ saved per active participant
0.16%Direct admin cost, % of plan assets
$60.5MNet plan assets, end of year
$44,019Average balance per account
Score breakdown
- Employer generosity46.3 / 5093th percentile for employer $ per participant
- Low cost15.4 / 2561th percentile for low admin cost vs. same-size plans
- Employee saving4.1 / 1527th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score69 / 100 · Grade B
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 93th |
| Lower admin cost | 61th |
| Employee saving | 27th |
| Peers that auto-enroll | 44% |
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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
- Clark Construction Group put in about $6,410 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 | $5,448,729 |
| Participant (employee) contributions | $1,998,996 |
| Other contributions (incl. rollovers in) | $346,632 |
| Administrative expenses paid from the plan | $91,656 |
| Other admin expenses | $91,656 |
| Benefits paid out | $7,714,973 |
| Net assets, start / end of year | $54.7M / $60.5M |
| Active participants, start / end of year | 829 / 871 |
| Participants with account balances | 1,375 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Aprio LLP |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $87,853 reported compensation |
| Vanguard Advisers Inc. | $11,350 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009101422NAL0006424993001, received 2025-10-09, EIN 56-2447399, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.