Jordan Foster Construction, LLC 401(k) Review & Grade
Jordan Foster Companies 401(k) Profit Sharing Plan
El Paso, TXConstruction767 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,108Employer $ per active participant
$3,482Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$35.0MNet plan assets, end of year
$40,038Average balance per account
Score breakdown
- Employer generosity30.5 / 5061th percentile for employer $ per participant
- Low cost18.7 / 2575th percentile for low admin cost vs. same-size plans
- Employee saving6.5 / 1543th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score49 / 100 · Grade C
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 61th |
| Lower admin cost | 75th |
| Employee saving | 43th |
| Peers that auto-enroll | 44% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
What to do if you're in this plan
- Jordan Foster Construction put in about $2,108 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.
- 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 | $1,616,887 |
| Participant (employee) contributions | $2,670,877 |
| Other contributions (incl. rollovers in) | $245,672 |
| Administrative expenses paid from the plan | $31,423 |
| Investment advisory & management fees | $21,536 |
| Benefits paid out | $3,450,601 |
| Net assets, start / end of year | $29.8M / $35.0M |
| Active participants, start / end of year | 683 / 851 |
| Participants with account balances | 873 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Lauterbach, Borschow & Company |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $21,536 reported compensation |
| Fidelity Investments Institutional | $9,887 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009101701NAL0011233888001, received 2025-10-09, EIN 46-3238843, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.