Nations Best Holdings, LLC 401(k) Review & Grade
Nation's Best Holdings 401(k) Plan
Dallas, TXRetail Trade1,014 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$869Employer $ per active participant
$1,988Employee $ saved per active participant
0.24%Direct admin cost, % of plan assets
$15.0MNet plan assets, end of year
$13,554Average balance per account
Score breakdown
- Employer generosity27.9 / 5056th percentile for employer $ per participant
- Low cost12.1 / 2548th percentile for low admin cost vs. same-size plans
- Employee saving5.0 / 1533th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score52 / 100 · Grade C
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 56th |
| Lower admin cost | 48th |
| Employee saving | 33th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $46,627 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Nations Best Holdings put in about $869 per active participant, more than the typical peer ($743). 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 | $881,140 |
| Participant (employee) contributions | $2,014,963 |
| Other contributions (incl. rollovers in) | $301,001 |
| Administrative expenses paid from the plan | $32,248 |
| Investment advisory & management fees | $2,528 |
| Benefits paid out | $1,285,660 |
| Net assets, start / end of year | $11.7M / $15.0M |
| Active participants, start / end of year | 1,001 / 1,026 |
| Participants with account balances | 1,104 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Armanino LLP |
Largest service providers (Schedule C)
| Adp, Inc. | $32,248 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015122252NAL0002400803001, received 2025-10-15, EIN 83-3124668, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.