Ba Holdings, Inc. 401(k) Review & Grade
Ba Holdings, Inc. Savings Plan
Riverside, CAManufacturing804 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,580Employer $ per active participant
$3,581Employee $ saved per active participant
0.25%Direct admin cost, % of plan assets
$67.6MNet plan assets, end of year
$68,966Average balance per account
Score breakdown
- Employer generosity27.6 / 5055th percentile for employer $ per participant
- Low cost11.8 / 2547th percentile for low admin cost vs. same-size plans
- Employee saving4.7 / 1531th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score44 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 55th |
| Lower admin cost | 47th |
| Employee saving | 31th |
| Peers that auto-enroll | 59% |
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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 ($113,444 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Ba Holdings put in about $2,580 per active participant, more than the typical peer ($2,320). 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.
- 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 | $2,074,163 |
| Participant (employee) contributions | $2,878,837 |
| Other contributions (incl. rollovers in) | $560,304 |
| Administrative expenses paid from the plan | $166,558 |
| Investment advisory & management fees | $47,250 |
| Benefits paid out | $10,269,887 |
| Net assets, start / end of year | $64.8M / $67.6M |
| Active participants, start / end of year | 792 / 816 |
| Participants with account balances | 980 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Schwab Retirement Plan Services,inc | $89,068 reported compensation |
| Marsh and Mclennan Companies, | $47,250 reported compensation |
| Clifton Larson Allen LLP | $30,240 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250924040715NAL0010128290001, received 2025-09-24, EIN 33-0712701, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.