Stevens Companies 401(k) Plan & Tru 401(k) Review & Grade
Stevens Companies 401(k) Plan & Trust
Dallas, TXTransportation & Warehousing1,929 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$152Employer $ per active participant
$865Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$23.3MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity4.5 / 509th percentile for employer $ per participant
- Low cost21.3 / 2585th percentile for low admin cost vs. same-size plans
- Employee saving1.6 / 1511th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score27 / 100 · Grade F
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 9th |
| Lower admin cost | 85th |
| Employee saving | 11th |
| Peers that auto-enroll | 37% |
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Red flags from the filing
Corrective distributions: the plan refunded $123,504 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Stevens Companies 401(k) Plan & Tru put in about $152 per active participant, below the typical peer ($1,070). 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.
- 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 | $292,977 |
| Participant (employee) contributions | $1,667,683 |
| Other contributions (incl. rollovers in) | $95,054 |
| Administrative expenses paid from the plan | $12,470 |
| Investment advisory & management fees | $4,745 |
| Benefits paid out | $2,979,667 |
| Net assets, start / end of year | $20.9M / $23.3M |
| Active participants, start / end of year | 2,050 / 1,808 |
| Participants with account balances | 506 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly, US, LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $7,725 reported compensation |
| Empower Advisory Group, LLC | $4,745 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251003115933NAL0001347409001, received 2025-10-03, EIN 75-1302273, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.