Bell Partners Inc. 401(k) Review & Grade
Bell Partners Inc. 401(k) Retirement Plan
Greensboro, NCReal Estate & Rental1,990 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,595Employer $ per active participant
$2,973Employee $ saved per active participant
0.27%Direct admin cost, % of plan assets
$59.2MNet plan assets, end of year
$48,285Average balance per account
Score breakdown
- Employer generosity30.0 / 5060th percentile for employer $ per participant
- Low cost11.2 / 2545th percentile for low admin cost vs. same-size plans
- Employee saving6.3 / 1542th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score51 / 100 · Grade C
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 60th |
| Lower admin cost | 45th |
| Employee saving | 42th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Bell Partners put in about $1,595 per active participant, more than the typical peer ($1,279). 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.
- 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 | $3,173,939 |
| Participant (employee) contributions | $5,916,581 |
| Other contributions (incl. rollovers in) | $1,297,342 |
| Administrative expenses paid from the plan | $144,944 |
| Investment advisory & management fees | $1,498 |
| Other admin expenses | $60,502 |
| Benefits paid out | $6,424,814 |
| Net assets, start / end of year | $48.7M / $59.2M |
| Active participants, start / end of year | 1,909 / 2,071 |
| Participants with account balances | 1,227 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Smith Leonard PLLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $72,944 reported compensation |
| The Lampo Group, LLC | $25,502 reported compensation |
| Marsh Insurance & Investments LLC | $21,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013065103NAL0000334099001, received 2025-10-13, EIN 56-1148631, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.