B. Green & Company, Inc. 401(k) Review & Grade
B. Green & Company, Inc. 401(k) Savings Plan
Baltimore, MDRetail Trade920 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$140Employer $ per active participant
$406Employee $ saved per active participant
0.46%Direct admin cost, % of plan assets
$6.1MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity6.1 / 5012th percentile for employer $ per participant
- Low cost6.5 / 2526th percentile for low admin cost vs. same-size plans
- Employee saving0.5 / 154th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score3 / 100 · Grade F
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 12th |
| Lower admin cost | 26th |
| Employee saving | 4th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($136,968 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $16,037 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- B. Green & Company put in about $140 per active participant, below the typical peer ($743). 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.
- Direct plan expenses (0.46% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $128,848 |
| Participant (employee) contributions | $373,407 |
| Other contributions (incl. rollovers in) | $22,060 |
| Administrative expenses paid from the plan | $26,084 |
| Benefits paid out | $231,533 |
| Net assets, start / end of year | $5.3M / $6.1M |
| Active participants, start / end of year | 392 / 1,447 |
| Participants with account balances | 118 |
| Auto-enrollment (feature code 2S) | Not reported |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015144813NAL0006479360001, received 2025-10-15, EIN 52-0336380, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.