J. G. Boswell Company 401(k) Review & Grade
J. G. Boswell Company 401(k) Plan
Pasadena, CAAgriculture, Forestry, Fishing & Hunting671 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$5,895Employer $ per active participant
$5,758Employee $ saved per active participant
0.23%Direct admin cost, % of plan assets
$72.9MNet plan assets, end of year
$66,295Average balance per account
Score breakdown
- Employer generosity47.9 / 5096th percentile for employer $ per participant
- Low cost12.4 / 2549th percentile for low admin cost vs. same-size plans
- Employee saving13.1 / 1587th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score83 / 100 · Grade A
This plan vs. peers
Peers: Agriculture, Forestry, Fishing & Hunting plans with 500–2,499 active participants (118 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 96th |
| Lower admin cost | 49th |
| Employee saving | 87th |
| Peers that auto-enroll | 36% |
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
- J. G. Boswell put in about $5,895 per active participant, more than the typical peer ($774). 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 | $3,955,427 |
| Participant (employee) contributions | $3,863,423 |
| Other contributions (incl. rollovers in) | $140,590 |
| Administrative expenses paid from the plan | $159,488 |
| Contract administrator fees | $151,724 |
| Other admin expenses | $7,764 |
| Benefits paid out | $6,017,163 |
| Net assets, start / end of year | $63.2M / $72.9M |
| Active participants, start / end of year | 657 / 685 |
| Participants with account balances | 1,100 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Crowe LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $151,724 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009101948NAL0006432289001, received 2025-10-09, EIN 95-0563800, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.