Civic Intelligence

Cummings & Smith Inc

Plan context: Cummings & Smith Inc 401K Profit Sharing Plan

EIN 22-2874673 • Montclair, NJ • 22 filings • 3 plans

20 Wellesley RdMontclair, NJ 07043
Current Snapshot

Latest Year

2020

2020 Participants

4

2020 Assets

$2,300,737

2020 Contributions

$29,855

Historical Graphs

Total Assets Over Time

Aggregate end-of-year assets by filing year, excluding zero-asset years

$3,573,356$1,786,678$0199920102020YearValue
$2,300,737Latest year 2020

Participants Over Time

Largest reported end-of-year plan headcount by filing year, used to avoid double-counting participants across overlapping plans

1260199920102020YearValue
4Latest year 2020

Company Timeline

Year summaries and individual filings are combined here so you can stay in one place while moving across years and plan filings.

Year / FilingFilingsParticipantsAssetsContributionsContrib./Participant
202014$2,300,737$29,855$7,464iApproximate average salary by contribution assumption: employee only about $186,594 at 4% or $124,396 at 6%; with 50% employer match about $124,396 at 4% or $82,931 at 6%; with 100% employer match about $93,297 at 4% or $62,198 at 6%.
Cummings & Smith Inc 401K Profit Sharing Plan-4$2,300,737$29,855$7,464iApproximate average salary by contribution assumption: employee only about $186,594 at 4% or $124,396 at 6%; with 50% employer match about $124,396 at 4% or $82,931 at 6%; with 100% employer match about $93,297 at 4% or $62,198 at 6%.
201915$3,573,356$82,549$16,510iApproximate average salary by contribution assumption: employee only about $412,745 at 4% or $275,163 at 6%; with 50% employer match about $275,163 at 4% or $183,442 at 6%; with 100% employer match about $206,373 at 4% or $137,582 at 6%.
Cummings & Smith Inc 401K Profit Sharing Plan-5$3,573,356$82,549$16,510iApproximate average salary by contribution assumption: employee only about $412,745 at 4% or $275,163 at 6%; with 50% employer match about $275,163 at 4% or $183,442 at 6%; with 100% employer match about $206,373 at 4% or $137,582 at 6%.
201815$3,002,515$99,046$19,809iApproximate average salary by contribution assumption: employee only about $495,230 at 4% or $330,153 at 6%; with 50% employer match about $330,153 at 4% or $220,102 at 6%; with 100% employer match about $247,615 at 4% or $165,077 at 6%.
Cummings & Smith Inc 401K Profit Sharing Plan-5$3,002,515$99,046$19,809iApproximate average salary by contribution assumption: employee only about $495,230 at 4% or $330,153 at 6%; with 50% employer match about $330,153 at 4% or $220,102 at 6%; with 100% employer match about $247,615 at 4% or $165,077 at 6%.
201715$2,962,052$95,192$19,038iApproximate average salary by contribution assumption: employee only about $475,960 at 4% or $317,307 at 6%; with 50% employer match about $317,307 at 4% or $211,538 at 6%; with 100% employer match about $237,980 at 4% or $158,653 at 6%.
Cummings & Smith Inc 401K Profit Sharing Plan-5$2,962,052$95,192$19,038iApproximate average salary by contribution assumption: employee only about $475,960 at 4% or $317,307 at 6%; with 50% employer match about $317,307 at 4% or $211,538 at 6%; with 100% employer match about $237,980 at 4% or $158,653 at 6%.
201615$2,448,751$89,646$17,929iApproximate average salary by contribution assumption: employee only about $448,230 at 4% or $298,820 at 6%; with 50% employer match about $298,820 at 4% or $199,213 at 6%; with 100% employer match about $224,115 at 4% or $149,410 at 6%.
Cummings & Smith Inc 401K Profit Sharing Plan-5$2,448,751$89,646$17,929iApproximate average salary by contribution assumption: employee only about $448,230 at 4% or $298,820 at 6%; with 50% employer match about $298,820 at 4% or $199,213 at 6%; with 100% employer match about $224,115 at 4% or $149,410 at 6%.
201515$2,098,114$75,141$15,028iApproximate average salary by contribution assumption: employee only about $375,705 at 4% or $250,470 at 6%; with 50% employer match about $250,470 at 4% or $166,980 at 6%; with 100% employer match about $187,853 at 4% or $125,235 at 6%.
Cummings & Smith Inc 401K Profit Sharing Plan-5$2,098,114$75,141$15,028iApproximate average salary by contribution assumption: employee only about $375,705 at 4% or $250,470 at 6%; with 50% employer match about $250,470 at 4% or $166,980 at 6%; with 100% employer match about $187,853 at 4% or $125,235 at 6%.
201415$2,136,304$100,274$20,055iApproximate average salary by contribution assumption: employee only about $501,370 at 4% or $334,247 at 6%; with 50% employer match about $334,247 at 4% or $222,831 at 6%; with 100% employer match about $250,685 at 4% or $167,123 at 6%.
Cummings & Smith Inc 401K Profit Sharing Plan-5$2,136,304$100,274$20,055iApproximate average salary by contribution assumption: employee only about $501,370 at 4% or $334,247 at 6%; with 50% employer match about $334,247 at 4% or $222,831 at 6%; with 100% employer match about $250,685 at 4% or $167,123 at 6%.
201316$1,874,655$114,063$19,011iApproximate average salary by contribution assumption: employee only about $475,263 at 4% or $316,842 at 6%; with 50% employer match about $316,842 at 4% or $211,228 at 6%; with 100% employer match about $237,631 at 4% or $158,421 at 6%.
Cummings & Smith Inc 401K Profit Sharing Plan-6$1,874,655$114,063$19,011iApproximate average salary by contribution assumption: employee only about $475,263 at 4% or $316,842 at 6%; with 50% employer match about $316,842 at 4% or $211,228 at 6%; with 100% employer match about $237,631 at 4% or $158,421 at 6%.
201218$1,764,332$112,042$14,005iApproximate average salary by contribution assumption: employee only about $350,131 at 4% or $233,421 at 6%; with 50% employer match about $233,421 at 4% or $155,614 at 6%; with 100% employer match about $175,066 at 4% or $116,710 at 6%.
Cummings & Smith Inc 401K Profit Sharing Plan-8$1,764,332$112,042$14,005iApproximate average salary by contribution assumption: employee only about $350,131 at 4% or $233,421 at 6%; with 50% employer match about $233,421 at 4% or $155,614 at 6%; with 100% employer match about $175,066 at 4% or $116,710 at 6%.
2011111$1,527,062$112,208$10,201iApproximate average salary by contribution assumption: employee only about $255,018 at 4% or $170,012 at 6%; with 50% employer match about $170,012 at 4% or $113,341 at 6%; with 100% employer match about $127,509 at 4% or $85,006 at 6%.
Cummings & Smith Inc 401K Profit Sharing Plan-11$1,527,062$112,208$10,201iApproximate average salary by contribution assumption: employee only about $255,018 at 4% or $170,012 at 6%; with 50% employer match about $170,012 at 4% or $113,341 at 6%; with 100% employer match about $127,509 at 4% or $85,006 at 6%.
2010112$1,737,360$130,243$10,854iApproximate average salary by contribution assumption: employee only about $271,340 at 4% or $180,893 at 6%; with 50% employer match about $180,893 at 4% or $120,595 at 6%; with 100% employer match about $135,670 at 4% or $90,447 at 6%.
Cummings & Smith Inc 401K Profit Sharing Plan-12$1,737,360$130,243$10,854iApproximate average salary by contribution assumption: employee only about $271,340 at 4% or $180,893 at 6%; with 50% employer match about $180,893 at 4% or $120,595 at 6%; with 100% employer match about $135,670 at 4% or $90,447 at 6%.
2009111$1,699,732$114,908$10,446iApproximate average salary by contribution assumption: employee only about $261,155 at 4% or $174,103 at 6%; with 50% employer match about $174,103 at 4% or $116,069 at 6%; with 100% employer match about $130,577 at 4% or $87,052 at 6%.
Cummings & Smith Inc 401K Profit Sharing Plan-11$1,699,732$114,908$10,446iApproximate average salary by contribution assumption: employee only about $261,155 at 4% or $174,103 at 6%; with 50% employer match about $174,103 at 4% or $116,069 at 6%; with 100% employer match about $130,577 at 4% or $87,052 at 6%.
2008110$1,462,842$242,184$24,218iApproximate average salary by contribution assumption: employee only about $605,460 at 4% or $403,640 at 6%; with 50% employer match about $403,640 at 4% or $269,093 at 6%; with 100% employer match about $302,730 at 4% or $201,820 at 6%.
Cummings & Smith Inc 401K Profit Sharing Plan-10$1,462,842$242,184$24,218iApproximate average salary by contribution assumption: employee only about $605,460 at 4% or $403,640 at 6%; with 50% employer match about $403,640 at 4% or $269,093 at 6%; with 100% employer match about $302,730 at 4% or $201,820 at 6%.
200717$1,735,002$111,225$15,889iApproximate average salary by contribution assumption: employee only about $397,232 at 4% or $264,821 at 6%; with 50% employer match about $264,821 at 4% or $176,548 at 6%; with 100% employer match about $198,616 at 4% or $132,411 at 6%.
Cummings & Smith Inc 401K Profit Sharing Plan-7$1,735,002$111,225$15,889iApproximate average salary by contribution assumption: employee only about $397,232 at 4% or $264,821 at 6%; with 50% employer match about $264,821 at 4% or $176,548 at 6%; with 100% employer match about $198,616 at 4% or $132,411 at 6%.
2006111$2,078,537$99,289$9,026iApproximate average salary by contribution assumption: employee only about $225,657 at 4% or $150,438 at 6%; with 50% employer match about $150,438 at 4% or $100,292 at 6%; with 100% employer match about $112,828 at 4% or $75,219 at 6%.
Cummings & Smith Inc 401K Profit Sharing Plan-11$2,078,537$99,289$9,026iApproximate average salary by contribution assumption: employee only about $225,657 at 4% or $150,438 at 6%; with 50% employer match about $150,438 at 4% or $100,292 at 6%; with 100% employer match about $112,828 at 4% or $75,219 at 6%.
2005110$1,753,992$108,870$10,887iApproximate average salary by contribution assumption: employee only about $272,175 at 4% or $181,450 at 6%; with 50% employer match about $181,450 at 4% or $120,967 at 6%; with 100% employer match about $136,088 at 4% or $90,725 at 6%.
Cummings & Smith Inc 401K Profit Sharing Plan-10$1,753,992$108,870$10,887iApproximate average salary by contribution assumption: employee only about $272,175 at 4% or $181,450 at 6%; with 50% employer match about $181,450 at 4% or $120,967 at 6%; with 100% employer match about $136,088 at 4% or $90,725 at 6%.
2004110$1,571,254$105,498$10,550iApproximate average salary by contribution assumption: employee only about $263,745 at 4% or $175,830 at 6%; with 50% employer match about $175,830 at 4% or $117,220 at 6%; with 100% employer match about $131,873 at 4% or $87,915 at 6%.
Cummings & Smith Inc 401K Profit Sharing Plan-10$1,571,254$105,498$10,550iApproximate average salary by contribution assumption: employee only about $263,745 at 4% or $175,830 at 6%; with 50% employer match about $175,830 at 4% or $117,220 at 6%; with 100% employer match about $131,873 at 4% or $87,915 at 6%.
2003110$1,425,538$94,697$9,470iApproximate average salary by contribution assumption: employee only about $236,743 at 4% or $157,828 at 6%; with 50% employer match about $157,828 at 4% or $105,219 at 6%; with 100% employer match about $118,371 at 4% or $78,914 at 6%.
Cummings & Smith Inc 401K Profit Sharing Plan-10$1,425,538$94,697$9,470iApproximate average salary by contribution assumption: employee only about $236,743 at 4% or $157,828 at 6%; with 50% employer match about $157,828 at 4% or $105,219 at 6%; with 100% employer match about $118,371 at 4% or $78,914 at 6%.
2002110$1,059,947$102,794$10,279iApproximate average salary by contribution assumption: employee only about $256,985 at 4% or $171,323 at 6%; with 50% employer match about $171,323 at 4% or $114,216 at 6%; with 100% employer match about $128,493 at 4% or $85,662 at 6%.
Cummings & Smith Inc 401K Profit Sharing Plan-10$1,059,947$102,794$10,279iApproximate average salary by contribution assumption: employee only about $256,985 at 4% or $171,323 at 6%; with 50% employer match about $171,323 at 4% or $114,216 at 6%; with 100% employer match about $128,493 at 4% or $85,662 at 6%.
2001110$1,211,972$95,823$9,582iApproximate average salary by contribution assumption: employee only about $239,557 at 4% or $159,705 at 6%; with 50% employer match about $159,705 at 4% or $106,470 at 6%; with 100% employer match about $119,779 at 4% or $79,853 at 6%.
Cummings & Smith Inc 401K Profit Sharing Plan-10$1,211,972$95,823$9,582iApproximate average salary by contribution assumption: employee only about $239,557 at 4% or $159,705 at 6%; with 50% employer match about $159,705 at 4% or $106,470 at 6%; with 100% employer match about $119,779 at 4% or $79,853 at 6%.
2000111$1,505,689$100,116$9,101iApproximate average salary by contribution assumption: employee only about $227,536 at 4% or $151,691 at 6%; with 50% employer match about $151,691 at 4% or $101,127 at 6%; with 100% employer match about $113,768 at 4% or $75,845 at 6%.
Cummings & Smith Inc 401K Profit Sharing Plan-11$1,505,689$100,116$9,101iApproximate average salary by contribution assumption: employee only about $227,536 at 4% or $151,691 at 6%; with 50% employer match about $151,691 at 4% or $101,127 at 6%; with 100% employer match about $113,768 at 4% or $75,845 at 6%.
1999110$1,688,577$104,366$10,437iApproximate average salary by contribution assumption: employee only about $260,915 at 4% or $173,943 at 6%; with 50% employer match about $173,943 at 4% or $115,962 at 6%; with 100% employer match about $130,458 at 4% or $86,972 at 6%.
Cummings & Smith Inc 401K Profit Sharing Plan-10$1,688,577$104,366$10,437iApproximate average salary by contribution assumption: employee only about $260,915 at 4% or $173,943 at 6%; with 50% employer match about $173,943 at 4% or $115,962 at 6%; with 100% employer match about $130,458 at 4% or $86,972 at 6%.