Balfour Beatty Investments Inc 401(k) Review & Grade
Balfour Beatty Investments, Inc. 401(k) Plan
Malvern, PAReal Estate & Rental1,540 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$513Employer $ per active participant
$3,688Employee $ saved per active participant
0.54%Direct admin cost, % of plan assets
$47.1MNet plan assets, end of year
$25,940Average balance per account
Score breakdown
- Employer generosity10.9 / 5022th percentile for employer $ per participant
- Low cost5.1 / 2521th percentile for low admin cost vs. same-size plans
- Employee saving7.4 / 1550th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score30 / 100 · Grade D
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 22th |
| Lower admin cost | 21th |
| Employee saving | 50th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Corrective distributions: the plan refunded $5,781 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Balfour Beatty Investments put in about $513 per active participant, below the typical peer ($1,279). 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 (0.54% 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 auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $789,293 |
| Participant (employee) contributions | $5,677,402 |
| Other contributions (incl. rollovers in) | $742,960 |
| Administrative expenses paid from the plan | $236,199 |
| Investment advisory & management fees | $61,763 |
| Benefits paid out | $6,196,802 |
| Net assets, start / end of year | $40.1M / $47.1M |
| Active participants, start / end of year | 1,662 / 1,417 |
| Participants with account balances | 1,815 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cohnreznick LLP |
Largest service providers (Schedule C)
| Adp, Inc. | $174,436 reported compensation |
| Global Retirement Partners | $61,763 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013050525NAL0001368880001, received 2025-10-13, EIN 26-2310710, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.