Bam! Pizza Management, Inc. 401(k) Review & Grade
Bam! Pizza Management, Inc. 401(k) Plan
Roswell, NMAdministrative, Support & Staffing Services736 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$353Employer $ per active participant
$650Employee $ saved per active participant
1.64%Direct admin cost, % of plan assets
$2.9MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity18.5 / 5037th percentile for employer $ per participant
- Low cost0.5 / 252th percentile for low admin cost vs. same-size plans
- Employee saving3.6 / 1524th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score16 / 100 · Grade F
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 37th |
| Lower admin cost | 2th |
| Employee saving | 24th |
| Peers that auto-enroll | 27% |
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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 ($11,267 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
- Bam! Pizza Management put in about $353 per active participant, below the typical peer ($712). 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 (1.64% 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.
- 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 | $259,514 |
| Participant (employee) contributions | $478,409 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $41,114 |
| Contract administrator fees | $26,300 |
| Investment advisory & management fees | $14,814 |
| Benefits paid out | $193,936 |
| Net assets, start / end of year | $2.1M / $2.9M |
| Active participants, start / end of year | 795 / 677 |
| Participants with account balances | 153 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | RKL LLP |
Largest service providers (Schedule C)
| John Hancock Life Insurance Company | $32,103 reported compensation |
| Bleakley Financial Group, LLC | $8,664 reported compensation |
| Wilshire Associates Inc. (USA) | $347 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250926074731NAL0003885571001, received 2025-09-26, EIN 82-3554650, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.