Bearcom Operating, L.L.C. 401(k) Review & Grade
Bearcom 401k Plan
Garland, TXInformation860 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$777Employer $ per active participant
$6,167Employee $ saved per active participant
0.03%Direct admin cost, % of plan assets
$53.3MNet plan assets, end of year
$61,267Average balance per account
Score breakdown
- Employer generosity7.6 / 5015th percentile for employer $ per participant
- Low cost23.4 / 2594th percentile for low admin cost vs. same-size plans
- Employee saving4.7 / 1531th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score29 / 100 · Grade F
This plan vs. peers
Peers: Information plans with 500–2,499 active participants (310 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 15th |
| Lower admin cost | 94th |
| Employee saving | 31th |
| Peers that auto-enroll | 59% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($186,423 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
- Bearcom Operating put in about $777 per active participant, below the typical peer ($2,829). 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 | $668,233 |
| Participant (employee) contributions | $5,303,560 |
| Other contributions (incl. rollovers in) | $2,059,005 |
| Administrative expenses paid from the plan | $13,410 |
| Investment advisory & management fees | $26,977 |
| Benefits paid out | $7,324,151 |
| Net assets, start / end of year | $46.9M / $53.3M |
| Active participants, start / end of year | 810 / 910 |
| Participants with account balances | 870 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Weaver and Tidwell, LLP |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $26,977 reported compensation |
| Weaver and Tidwell, LLP | $15,750 reported compensation |
| Fidelity Investments Institutional | −$29,317 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014125456NAL0003999984001, received 2025-10-14, EIN 75-2629349, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.