Bear Holdings, LLC 401(k) Review & Grade
Bear Holdings, LLC 401(k) Plan
Columbia, MOReal Estate & Rental598 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,234Employer $ per active participant
$2,274Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$25.4MNet plan assets, end of year
$64,914Average balance per account
Score breakdown
- Employer generosity24.3 / 5049th percentile for employer $ per participant
- Low cost13.0 / 2552th percentile for low admin cost vs. same-size plans
- Employee saving4.5 / 1530th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score35 / 100 · Grade D
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 49th |
| Lower admin cost | 52th |
| Employee saving | 30th |
| Peers that auto-enroll | 47% |
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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 ($27,632 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
- Bear Holdings put in about $1,234 per active participant, below the typical peer ($1,279). 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 | $737,748 |
| Participant (employee) contributions | $1,360,105 |
| Other contributions (incl. rollovers in) | $236,925 |
| Administrative expenses paid from the plan | $53,209 |
| Investment advisory & management fees | $48,426 |
| Benefits paid out | $4,728,464 |
| Net assets, start / end of year | $24.5M / $25.4M |
| Active participants, start / end of year | 543 / 653 |
| Participants with account balances | 391 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Forvis Mazars, LLP |
Largest service providers (Schedule C)
| Stifel Nicolaus & Co Inc | $48,426 reported compensation |
| Fidelity Investments Institutional | $4,783 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250923103852NAL0007851411001, received 2025-09-23, EIN 20-8034548, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.