# F.G. Downing Development, INC. 401(k) Plan
Source: https://planprovider.pro/companies/f-g-downing-development-inc-401k-plan

> F.G. Downing Development, INC.'s 401(k) plan: 288 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** F.G. Downing Development, INC.

- **Sponsor EIN:** 161250648

- **Sponsor Address:** 3531 SOUTHWESTERN BLVD., ORCHARD PARK, NY, 141271706

- **Plan Type:** 401(k)

- **Total Participants:** 288

- **Total Assets:** $31.3M

## Key Plan Design Features

- **Auto-Enrollment:** Yes

- **Auto-Escalation:** No

- **Allows Roth Contributions:** No

- **Participant Loans:** No

- **Participant-Directed Investments:** Yes

- **ERISA Section 404(c) Fiduciary Safe Harbor:** Yes

## Plan Financials by Year

| Year|Participants|Total Assets|Employer Contrib.|Employee Contrib.|

| 2024|288|$31.3M|$127,196|$1.3M|

| 2023|283|$29.5M|$140,153|$1.3M|

| 2022|465|$31.1M|$223,803|$2.1M|

## Service Providers (Schedule C)

Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).

| Provider Name|
Role|
Direct Compensation|
Indirect Compensation|
Total Fees|

| PRINCIPAL LIFE INSURANCE COMPANY|CONTRACT ADMI NISTRATOR|$88,010|—|$88,010|

| LAWLEY-COURIER ADVISORS, LLC|INVESTMENT ADVISORY|—|$29,432|$29,432|

| ACTUARIAL CONSULTING SERVICES INC.|THIRD PARTY ADMINISTRATO|$8,215|$12,436|$20,651|

| BONADIO & CO., LLP|ACCOUNTANT|$14,000|—|$14,000|

### Verified Provider Profiles

Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:

- [BONADIO & CO., LLP](https://planprovider.pro/provider/bonadio-and-co-llp) — ACCOUNTANT

## Plan Fees & Expenses

Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.

- **Total Service Provider Fees:** $152,093

- **Estimated Expense Ratio:** 0.486% of plan assets

### Historical Administrative Expenses

Breakdown of administrative expense categories reported on Form 5500 filings.

| Year|
Total Admin Expenses|
Investment Mgmt Fees|
Contract Admin Fees|
IQPA Audit Fees|
Professional Fees|

| 2024|$109,873|—|$109,873|—|—|

| 2023|$119,916|—|$95,197|$24,719|—|

| 2022|$110,535|—|$94,553|—|$15,982|

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