The Contractors Retirement Plan
Governed United Security Professionals · Catonsville, MD · EIN 463155316 · Plan 001 · Form 5500 for plan year 2024
What Governed United Security Professionals put into the plan, per active participant
$3,169
Governed United Security Professionals put $3,169 into this plan for each of its 286 active participants in plan year 2024. That is the whole employer side, matching money, profit sharing, non-elective and safe-harbor contributions and reallocated forfeitures together, because the Form 5500 reports them on one line, so it is not the match rate.
Governed United Security Professionals put in more per active participant than 64% of plans with 100–499 participants in construction. The middle plan in that group of 2,201 reported $2,441. Construction comes from business code 238900, which Governed United Security Professionals entered on its own Form 5500. Sponsors pick that code themselves, so a code that does not describe what the employer does ranks the plan against the wrong companies.
What this figure cannot separate: how much Governed United Security Professionals pays, and how much it puts in
This is dollars, not a rate. A Form 5500 carries no payroll, so the figure reflects both how much the employer puts in and how much the employer pays: two plans running the same formula report different amounts when one pays better. Crossing the peer group with industry holds most of that difference still, and none of it disappears.
This is one plan year, not an average. A true-up, a plan merger or a one-off contribution moves a single year on its own.
Source: Form 5500 filing for the plan year ended December 31, 2024, received by the DOL October 16, 2025 · DOL EFAST2 ↗
What the plan cost, per participant
$97.07
The plan paid $97.07 per participant in plan-paid administrative expenses in plan year 2024, cheaper than 65% of plans with 100–499 participants. The middle plan of that size paid $156.87.
Why a plan this big pays less per person before anything else
Bigger plans pay less per head by construction, because the same negotiated bill divides across more people. That is why this ranking sits inside the plan's own size cohort and is never taken across all plans.
Schedule H reports only what came out of plan assets. Fees the sponsor pays directly, and fees taken inside fund expense ratios, never appear here, so this is a floor and not the all-in cost.
401(k) Monitor Score
64 out of 100
Where this plan stands against plans of its size and industry on two amounts its Form 5500 reports: employer money in per active person, and plan-paid cost per person. It reads no match formula, no vesting schedule and no fund lineup, because a Form 5500 states none of them.
- What the employer put in, per active participant: $3,169. Higher than 64% of plans with 100–499 participants in construction.
- What the plan cost, per participant: $97.07. Cheaper than 65% of plans with 100–499 participants.
On this page: where the match terms are stated · what to check next · every figure on the filing · fees itemised · the plans this one is ranked against · service providers
The match and vesting terms, from a Form 11-K
The match formula and the vesting schedule are stated in a Form 11-K, which is filed only by employers whose plan holds company stock. A Form 5500 reports neither.
What Governed United Security Professionals puts in
Not in public filings for this employer
We have no SEC Form 11-K for this employer, and the Form 5500 this page is built from does not report match terms.
Two places state the terms in full: your plan’s Summary Plan Description, which your employer must provide on request, and your recordkeeper’s site, the one you log in to for your balance.
What you contribute to collect all of it
Not in public filings for this employer
The rate that collects the full match is part of the match formula, which a Form 5500 does not report.
Vesting score
Not scored
The vesting schedule is stated in a Form 11-K, and we have none for this employer.
A schedule this cannot read at whole-year anniversaries is left without a number rather than given a middle one.
What the plan costs, against plans of its size
35th percentile
$97.07 per participant in plan-paid administrative cost, cheaper than 65% of plans with 100–499 participants.
What to check next
Your own numbers are not on this page
Every figure here is the whole plan for plan year 2024, taken from one filing and divided by headcounts. Your own contribution rate, your balance and the fees taken from your account are on your recordkeeper’s site. What you may put in during a year is set by the IRS and not by the plan: this year’s limits ↗.
Key figures
| Total plan assets, end of year | $2,870,811 |
|---|---|
| Net assets | $2,870,811 |
| Participants, beginning of year | 334 |
| Of which active | 286 |
| Plan type | Multiemployer |
| Size cohortThe peer group we rank fees against. | 100–499 participants |
| Employer share of the money that went in, plan year 2024One of the two contribution lines is blank on this filing. A blank employee line against a filled employer line would read as every dollar coming from the employer, which is a gap in the filing rather than a fact about the plan, so no share is shown. | not stated on this filing |
Plan-paid administrative expenses
The plan paid $32,420 in administrative expenses in plan year 2024, across 334 participants: $97.07 per participant.
| Contract administrator fees | not reported in filing |
|---|---|
| Professional fees | not reported in filing |
| Investment management fees | not reported in filing |
| Other administrative fees | not reported in filing |
These are plan-paid expenses from Schedule H only. Fees the sponsor pays directly, and fees embedded in fund expense ratios, never appear here. This figure is a floor, not the all-in cost, and a low number is not “free”.
The plans this one is ranked against
Fees on this page are ranked against the 100–499 participant cohort, where the median plan pays $156.87 per participant. The sponsor files from Maryland, one of 1,162 plans on file there, at a median of $144.47 per participant. Its business code places the plan in construction, one of 3,507 on file, which run to a median of $166.95.
Plans of a similar size in Maryland
| Plan | Participants | Cost per participant |
|---|---|---|
| Silveredge Government Solutions 401(k) PlanSilveredge Government Solutions, LLC | 335 | $328.54 |
| Midcap Financial Services, LLC 401(k) PlanMidcap Financial Services, LLC | 334 | $241.60 |
| Timbrook Automotive 401(k) Profit Sharing PlanTimbrook Automotive, Inc. | 334 | $163.82 |
| Continental Realty Corporation 401(k) Retirement PlanContinental Realty Corporation | 333 | $227.53 |
Service providers (Schedule C)
Not reported in filing. Plans with bundled or revenue-sharing arrangements often report no Schedule C provider compensation. Absence here is a reporting artifact, not a $0 cost.
Useful links
- Find a 401(k) you left at an old job ↗
The DOL's Retirement Savings Lost & Found. Free and official.
- Look up this plan's full Form 5500 ↗
The DOL's own filing search. Search by plan or sponsor name.
- Download this plan's data (CSV) ↗
Every field on this page, one row, ready for a spreadsheet.
Source
| Dataset | DOL EFAST2 Form 5500 bulk data (FOIA) |
|---|---|
| Form year | 2024 |
| Filing ACK_ID | 20251016162425NAL0003484083001 |
| Dataset last refreshed | July 28, 2026 |
Bulk dataset at askebsa.dol.gov ↗ · Look up the filing on EFAST2 ↗
Filings lag by design: a plan can file up to 9½ months after its year ends, so this is the newest data on file. Why filings lag
This is an amended filing. It replaces the sponsor's earlier submission for the same year.
Cite this page
401(k) Monitor, "The Contractors Retirement Plan: Form 5500 facts", from DOL EFAST2 filing 20251016162425NAL0003484083001, plan year ended December 31, 2024. 401(k) Monitor Score 64 out of 100 (exact value 64.33).