Selectransportation Resources, L.L.C. 401(k) Review & Grade
Selectransportation Resources, L.L.C. Retirement Savings Plan
Houston, TXRetail Trade510 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,797Employer $ per active participant
$5,354Employee $ saved per active participant
0.30%Direct admin cost, % of plan assets
$45.2MNet plan assets, end of year
$94,085Average balance per account
Score breakdown
- Employer generosity46.4 / 5093th percentile for employer $ per participant
- Low cost10.2 / 2541th percentile for low admin cost vs. same-size plans
- Employee saving12.9 / 1586th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score70 / 100 · Grade B
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 93th |
| Lower admin cost | 41th |
| Employee saving | 86th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $1,671 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Selectransportation Resources put in about $2,797 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.
- 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 | $1,427,728 |
| Participant (employee) contributions | $2,732,967 |
| Other contributions (incl. rollovers in) | $384,734 |
| Administrative expenses paid from the plan | $124,735 |
| Investment advisory & management fees | $71,798 |
| Benefits paid out | $2,934,253 |
| Net assets, start / end of year | $38.9M / $45.2M |
| Active participants, start / end of year | 481 / 540 |
| Participants with account balances | 480 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Doeren Mayhew Assurance |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $52,937 reported compensation |
| Shepherd Financial Investment | $52,534 reported compensation |
| Strategic Advisors, Inc. | $19,264 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250926075656NAL0009174257001, received 2025-09-26, EIN 74-2882346, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.