4 Over International, LLC 401(k) Review & Grade
4 Over 401(k) Plan
Glendale, CAProfessional, Scientific & Technical Services1,018 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$936Employer $ per active participant
$2,512Employee $ saved per active participant
0.48%Direct admin cost, % of plan assets
$31.2MNet plan assets, end of year
$30,101Average balance per account
Score breakdown
- Employer generosity9.4 / 5019th percentile for employer $ per participant
- Low cost6.1 / 2525th percentile for low admin cost vs. same-size plans
- Employee saving1.9 / 1513th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score17 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 19th |
| Lower admin cost | 25th |
| Employee saving | 13th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $77,702 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- 4 Over International put in about $936 per active participant, below the typical peer ($3,082). Any match is still an instant return, so contribute enough to get all of it.
- 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.
- Direct plan expenses (0.48% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $952,339 |
| Participant (employee) contributions | $2,555,534 |
| Other contributions (incl. rollovers in) | $486,754 |
| Administrative expenses paid from the plan | $137,191 |
| Contract administrator fees | $137,191 |
| Benefits paid out | $2,058,356 |
| Net assets, start / end of year | $26.1M / $31.2M |
| Active participants, start / end of year | 1,036 / 999 |
| Participants with account balances | 1,038 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Holthouse Carlin & Van Trigt LLP |
Largest service providers (Schedule C)
| Wilshire Associates Inc (USA) | $5,559 reported compensation |
| John Hancock Life Insurance Company | $3,992 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250919132917NAL0002354593001, received 2025-09-19, EIN 47-5452603, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.