Kendall and Davis LLC 401(k) Review & Grade
Kendall and Davis LLC (the Kad Group) 401(k) Plan
Frisco, TXProfessional, Scientific & Technical Services1,366 active participantsPlan year 2024
Estimate from the plan's Form 5500-SF filing · How we grade
$4Employer $ per active participant
$11Employee $ saved per active participant
0.58%Direct admin cost, % of plan assets
$495,115Net plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity2.7 / 505th percentile for employer $ per participant
- Low cost4.7 / 2519th percentile for low admin cost vs. same-size plans
- Employee saving0.1 / 150th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score1 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 5th |
| Lower admin cost | 19th |
| Employee saving | 0th |
| Peers that auto-enroll | 48% |
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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 ($15,367 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Kendall and Davis put in about $4 per active participant, below the typical peer ($3,082). Any match is still an instant return, so contribute enough to get all of it.
- 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.
- Direct plan expenses (0.58% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $5,968 |
| Participant (employee) contributions | $15,367 |
| Other contributions (incl. rollovers in) | $850 |
| Administrative expenses paid from the plan | $2,857 |
| Benefits paid out | $123,218 |
| Net assets, start / end of year | $0 / $495,115 |
| Active participants, start / end of year | 1,363 / 1,369 |
| Participants with account balances | 96 |
| Auto-enrollment (feature code 2S) | Not reported |
Source: DOL EFAST2 Form 5500-SF filing, acknowledgment ID 20260407072515NAL0011545472001, received 2026-04-07, EIN 47-1759293, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.