Artisan Design Group, LLC 401(k) Review & Grade
Artisan Design Group 401(k) Plan
Coppell, TXConstruction2,965 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,185Employer $ per active participant
$3,539Employee $ saved per active participant
0.16%Direct admin cost, % of plan assets
$125.4MNet plan assets, end of year
$72,300Average balance per account
Score breakdown
- Employer generosity18.0 / 5036th percentile for employer $ per participant
- Low cost10.3 / 2541th percentile for low admin cost vs. same-size plans
- Employee saving5.2 / 1535th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score24 / 100 · Grade F
This plan vs. peers
Peers: Construction plans with 2,500–9,999 active participants (76 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 36th |
| Lower admin cost | 41th |
| Employee saving | 35th |
| Peers that auto-enroll | 57% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($127,955 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $373,801 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Artisan Design Group put in about $1,185 per active participant, below the typical peer ($1,965). 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.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $3,513,947 |
| Participant (employee) contributions | $10,492,148 |
| Other contributions (incl. rollovers in) | $1,964,701 |
| Administrative expenses paid from the plan | $199,101 |
| Contract administrator fees | $176,601 |
| Benefits paid out | $25,493,863 |
| Net assets, start / end of year | $120.7M / $125.4M |
| Active participants, start / end of year | 2,977 / 2,953 |
| Participants with account balances | 1,734 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Sutton Frost Cary LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $176,601 reported compensation |
| Alliant Insurance Services, Inc. | $20,000 reported compensation |
| Sutton Frost Cary LLP | $5,105 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250919102540NAL0005221298001, received 2025-09-19, EIN 81-4545408, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.