B & V Enterprises, Inc. 401(k) Review & Grade
Super King 401(k) Plan
Los Angeles, CAWholesale Trade854 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$601Employer $ per active participant
$958Employee $ saved per active participant
1.24%Direct admin cost, % of plan assets
$4.4MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity5.5 / 5011th percentile for employer $ per participant
- Low cost1.0 / 254th percentile for low admin cost vs. same-size plans
- Employee saving0.6 / 154th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score10 / 100 · Grade F
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 11th |
| Lower admin cost | 4th |
| Employee saving | 4th |
| Peers that auto-enroll | 53% |
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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
- B & V Enterprises put in about $601 per active participant, below the typical peer ($1,792). 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 (1.24% 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.
- 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 | $512,889 |
| Participant (employee) contributions | $818,188 |
| Other contributions (incl. rollovers in) | $17,671 |
| Administrative expenses paid from the plan | $44,290 |
| Benefits paid out | $80,006 |
| Net assets, start / end of year | $2.7M / $4.4M |
| Active participants, start / end of year | 790 / 918 |
| Participants with account balances | 213 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Pension Assurance LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $23,106 reported compensation |
| Sageview Advisory Group, LLC | $17,070 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250813063814NAL0019675026001, received 2025-08-13, EIN 33-0698720, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.