Texas De Brazil Corporation 401(k) Review & Grade
Texas De Brazil Savings Plan
Dallas, TXProfessional, Scientific & Technical Services2,502 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$168Employer $ per active participant
$313Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$14.8MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity5.7 / 5011th percentile for employer $ per participant
- Low cost20.4 / 2582th percentile for low admin cost vs. same-size plans
- Employee saving0.7 / 154th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score27 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 11th |
| Lower admin cost | 82th |
| Employee saving | 4th |
| Peers that auto-enroll | 47% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Texas De Brazil put in about $168 per active participant, below the typical peer ($2,951). 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 | $419,365 |
| Participant (employee) contributions | $784,105 |
| Other contributions (incl. rollovers in) | $24,000 |
| Administrative expenses paid from the plan | $6,069 |
| Benefits paid out | $725,930 |
| Net assets, start / end of year | $12.8M / $14.8M |
| Active participants, start / end of year | 2,340 / 2,663 |
| Participants with account balances | 536 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Mcnamara and Associates, PLLC |
Largest service providers (Schedule C)
| Ameritas Life Insurance Company | $6,069 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250804144234NAL0003659330001, received 2025-08-04, EIN 75-2809042, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.