Holder Construction Group, LLC 401(k) Review & Grade
Holder Construction Group, LLC Profit Sharing and 401(k) Plan
Atlanta, GAConstruction1,616 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,333Employer $ per active participant
$10,900Employee $ saved per active participant
0.16%Direct admin cost, % of plan assets
$229.4MNet plan assets, end of year
$102,217Average balance per account
Score breakdown
- Employer generosity43.4 / 5087th percentile for employer $ per participant
- Low cost15.5 / 2562th percentile for low admin cost vs. same-size plans
- Employee saving14.3 / 1596th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score83 / 100 · Grade A
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 87th |
| Lower admin cost | 62th |
| Employee saving | 96th |
| Peers that auto-enroll | 44% |
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
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Holder Construction Group put in about $4,333 per active participant, more than the typical peer ($1,672). 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 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 | $7,000,000 |
| Participant (employee) contributions | $17,608,309 |
| Other contributions (incl. rollovers in) | $714,027 |
| Administrative expenses paid from the plan | $332,247 |
| Contract administrator fees | $332,247 |
| Benefits paid out | $14,506,425 |
| Net assets, start / end of year | $193.7M / $229.4M |
| Active participants, start / end of year | 1,642 / 1,589 |
| Participants with account balances | 2,244 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Carr Riggs & Ingram LLC |
Largest service providers (Schedule C)
| Nationwide | $241,602 reported compensation |
| Pension Financial Services, Inc. | $201,198 reported compensation |
| Brinker Capital Investments | $116,848 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013141330NAL0001399521001, received 2025-10-13, EIN 58-2535136, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.