Beyond New Horizons, LLC 401(k) Review & Grade
Beyond New Horizons, LLC Employees Savings Plan
Arnold Afb, TNAdministrative, Support & Staffing Services1,012 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$6,438Employer $ per active participant
$11,056Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$336.3MNet plan assets, end of year
$235,164Average balance per account
Score breakdown
- Employer generosity48.8 / 5098th percentile for employer $ per participant
- Low cost19.6 / 2578th percentile for low admin cost vs. same-size plans
- Employee saving14.5 / 1597th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score73 / 100 · Grade B
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 98th |
| Lower admin cost | 78th |
| Employee saving | 97th |
| 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 ($2,145,264 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $5,424 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Beyond New Horizons put in about $6,438 per active participant, more than the typical peer ($712). 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.
- 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 | $6,518,914 |
| Participant (employee) contributions | $11,194,196 |
| Other contributions (incl. rollovers in) | $4,129,505 |
| Administrative expenses paid from the plan | $265,544 |
| Other admin expenses | $265,544 |
| Benefits paid out | $32,108,467 |
| Net assets, start / end of year | $308.3M / $336.3M |
| Active participants, start / end of year | 950 / 1,075 |
| Participants with account balances | 1,430 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Mcconnell & Jones LLP |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $107,519 reported compensation |
| Vanguard Advisers Inc. | $57,822 reported compensation |
| Smith Thornton Advisors, LLC | $53,668 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260714155753NAL0002191952001, received 2026-07-14, EIN 92-3715267, plan #334, plan year 2024-10-01 to 2025-09-30. Verify at efast.dol.gov.