Beacon Sales Acquisition, Inc. 401(k) Review & Grade
Beacon Sales Acquisition, Inc. 401(k) Profit Sharing Plan
Herndon, VAWholesale Trade7,372 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,379Employer $ per active participant
$6,075Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$653.9MNet plan assets, end of year
$70,269Average balance per account
Score breakdown
- Employer generosity24.5 / 5049th percentile for employer $ per participant
- Low cost12.0 / 2548th percentile for low admin cost vs. same-size plans
- Employee saving9.3 / 1562th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score53 / 100 · Grade C
This plan vs. peers
Peers: Wholesale Trade plans with 2,500–9,999 active participants (103 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 49th |
| Lower admin cost | 48th |
| Employee saving | 62th |
| Peers that auto-enroll | 62% |
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Red flags from the filing
Corrective distributions: the plan refunded $10,687 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Beacon Sales Acquisition put in about $2,379 per active participant, below the typical peer ($2,459). 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 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 | $17,536,428 |
| Participant (employee) contributions | $44,789,721 |
| Other contributions (incl. rollovers in) | $14,258,396 |
| Administrative expenses paid from the plan | $801,256 |
| Contract administrator fees | $538,896 |
| Investment advisory & management fees | $40,375 |
| Benefits paid out | $81,259,311 |
| Net assets, start / end of year | $573.2M / $653.9M |
| Active participants, start / end of year | 7,425 / 7,320 |
| Participants with account balances | 9,305 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Sch&h Attest Services P.C |
Largest service providers (Schedule C)
| Capital Group Retirement Plan Svcs | $470,191 reported compensation |
| Schwab Retirement Plan Services, in | $201,015 reported compensation |
| Capfinancial Partners LLC | $60,556 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007153912NAL0004996417001, received 2025-10-07, EIN 36-4173366, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.