Bagdasarian Services, LLC 401(k) Plan 401(k) Review & Grade
Bagdasarian Services, LLC 401(k) Plan
Mecca, CAAgriculture, Forestry, Fishing & Hunting538 active participantsPlan year 2024
Estimate from the plan's Form 5500-SF filing · How we grade
$383Employer $ per active participant
$551Employee $ saved per active participant
1.03%Direct admin cost, % of plan assets
$2.2MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity14.1 / 5028th percentile for employer $ per participant
- Low cost1.5 / 256th percentile for low admin cost vs. same-size plans
- Employee saving1.5 / 1510th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score20 / 100 · Grade F
This plan vs. peers
Peers: Agriculture, Forestry, Fishing & Hunting plans with 500–2,499 active participants (118 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 28th |
| Lower admin cost | 6th |
| Employee saving | 10th |
| Peers that auto-enroll | 36% |
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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
- Bagdasarian Services, LLC 401(k) Plan put in about $383 per active participant, below the typical peer ($774). 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 (1.03% 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 | $206,014 |
| Participant (employee) contributions | $296,278 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $20,073 |
| Benefits paid out | $113,919 |
| Net assets, start / end of year | $1.6M / $2.2M |
| Active participants, start / end of year | 558 / 518 |
| Participants with account balances | 92 |
| Auto-enrollment (feature code 2S) | Not reported |
Source: DOL EFAST2 Form 5500-SF filing, acknowledgment ID 20250922204246NAL0006035360001, received 2025-09-22, EIN 87-4830240, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.