Ross & Sons Utility Contractor 401(k) match, vesting and fees
What Ross & Sons Utility Contractor's 401(k) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | John Hancock Life Ins Co | Schedule C ↗ |
| Independent auditor | Pension Assurance LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 1,392 defined-contribution plans in construction with 100 to 499 participants.
| Ross & Sons Utility Contractor: employer contribution per participant | $1,146 | |
| Peer median | $2,501 |
| Ross & Sons Utility Contractor: average balance | $72,742 | |
| Peer median | $71,471 |
| Ross & Sons Utility Contractor: admin expenses ÷ assets | 0.45% | |
| Peer median | 0.39% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $8.7M at the end of plan year 2021 to $12.7M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 211 | $12.7M | $199K | $1,146 | 0.45% | Not published | Form 5500 ↗ |
| 2024 | 206 | $12M | $396K | $2,210 | 1.00% | Not published | Form 5500 ↗ |
| 2023 | 224 | $11.1M | $257K | $1,149 | 0.79% | Not published | Form 5500 ↗ |
| 2022 | 206 | $9.3M | $63K | $308 | 0.15% | Not published | Form 5500 ↗ |
| 2021 | 196 | $8.7M | $564K | $2,876 | 0.94% | Not published | Form 5500 ↗ |
Other Ross & Sons Utility Contractor plans (1)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Ross & Sons Cash Balance Plan
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Plan type and status | Pension (defined benefit) · Terminated (final filing) | Form 5500 ↗ |
Common questions
Does Ross & Sons Utility Contractor match 401(k) contributions?
The match terms for the Ross & Sons Utility Contractor, Inc. 401(k) Profit Sharing Plan have not been published from its filing yet. The plan year 2025 filing reports $199K in employer contributions, about $1,146 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Ross & Sons Utility Contractor 401(k) match vested?
The vesting schedule for the Ross & Sons Utility Contractor, Inc. 401(k) Profit Sharing Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Ross & Sons Utility Contractor 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is John Hancock Life Ins Co. The plan administrator is Ross & Sons Utility Contractor, Inc.
I left Ross & Sons Utility Contractor. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Ross & Sons Utility Contractor, Inc, (757) 369-6510) or the recordkeeper, John Hancock Life Ins Co. The Ross & Sons Utility Contractor old 401(k) page lists the contacts from every plan filing. Find an old Ross & Sons Utility Contractor 401(k)
Data from the public Form 5500 annual reports Ross & Sons Utility Contractor filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024 and 2025) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with Ross & Sons Utility Contractor. Not financial advice. Report a correction · Methodology