Titus Transport Holdings, LLC 401(k) Review & Grade
Titus Transport Holdings, LLC 401(k) Plan
Denton, TXTransportation & Warehousing606 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$436Employer $ per active participant
$1,814Employee $ saved per active participant
0.33%Direct admin cost, % of plan assets
$5.0MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity11.0 / 5022th percentile for employer $ per participant
- Low cost9.4 / 2537th percentile for low admin cost vs. same-size plans
- Employee saving4.3 / 1529th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score25 / 100 · Grade F
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 22th |
| Lower admin cost | 37th |
| Employee saving | 29th |
| Peers that auto-enroll | 37% |
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Red flags from the filing
Corrective distributions: the plan refunded $1,222 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Titus Transport Holdings put in about $436 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 | $264,115 |
| Participant (employee) contributions | $1,099,357 |
| Other contributions (incl. rollovers in) | $348,203 |
| Administrative expenses paid from the plan | $14,294 |
| Investment advisory & management fees | $826 |
| Benefits paid out | $967,242 |
| Net assets, start / end of year | $3.8M / $5.0M |
| Active participants, start / end of year | 642 / 570 |
| Participants with account balances | 264 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Katz Sapper & Miller LLP |
Largest service providers (Schedule C)
| Adp, Inc. | $14,294 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250911051606NAL0000064595001, received 2025-09-11, EIN 94-3453946, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.