B. D. Holt Company 401(k) Review & Grade
Holt Companies Retirement Plan
San Antonio, TXWholesale Trade4,553 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,934Employer $ per active participant
$5,930Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$505.0MNet plan assets, end of year
$94,090Average balance per account
Score breakdown
- Employer generosity41.7 / 5083th percentile for employer $ per participant
- Low cost14.1 / 2556th percentile for low admin cost vs. same-size plans
- Employee saving8.5 / 1557th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score71 / 100 · Grade B
This plan vs. peers
Peers: Wholesale Trade plans with 2,500–9,999 active participants (103 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 83th |
| Lower admin cost | 56th |
| Employee saving | 57th |
| Peers that auto-enroll | 62% |
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Red flags from the filing
Corrective distributions: the plan refunded $3,752 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- B. D. Holt put in about $4,934 per active participant, more than the typical peer ($2,459). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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 auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $22,465,704 |
| Participant (employee) contributions | $26,997,829 |
| Other contributions (incl. rollovers in) | $8,209,816 |
| Administrative expenses paid from the plan | $483,359 |
| Investment advisory & management fees | $252,200 |
| Other admin expenses | $900 |
| Benefits paid out | $43,855,102 |
| Net assets, start / end of year | $432.7M / $505.0M |
| Active participants, start / end of year | 4,257 / 4,849 |
| Participants with account balances | 5,367 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | RSM US LLP |
Largest service providers (Schedule C)
| Empower Advisory Group, LLC | $252,200 reported compensation |
| Empower Annuity Insurance Company O | $230,259 reported compensation |
| Qdro Consultants Company, LLC | $900 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015103805NAL0002256339001, received 2025-10-15, EIN 74-1389993, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.