Traylor Bros., Inc. 401(k) Review & Grade
Traylor Construction Group 401(k) Plan
Evansville, INConstruction874 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,754Employer $ per active participant
$7,140Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$83.8MNet plan assets, end of year
$80,365Average balance per account
Score breakdown
- Employer generosity41.5 / 5083th percentile for employer $ per participant
- Low cost14.5 / 2558th percentile for low admin cost vs. same-size plans
- Employee saving12.4 / 1582th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score68 / 100 · Grade B
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 83th |
| Lower admin cost | 58th |
| Employee saving | 82th |
| Peers that auto-enroll | 44% |
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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
- Traylor Bros. put in about $3,754 per active participant, more than the typical peer ($1,672). 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 | $3,280,934 |
| Participant (employee) contributions | $6,240,183 |
| Other contributions (incl. rollovers in) | $965,833 |
| Administrative expenses paid from the plan | $131,292 |
| Benefits paid out | $7,984,436 |
| Net assets, start / end of year | $63.4M / $83.8M |
| Active participants, start / end of year | 757 / 991 |
| Participants with account balances | 1,043 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Harding Shymanski & Company, PSC |
Largest service providers (Schedule C)
| Morgan Stanley Smith Barney LLC | $89,801 reported compensation |
| Empower Annuity Insurance Company | $41,491 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014111442NAL0005638322001, received 2025-10-14, EIN 35-0799154, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.