Balfour Beatty LLC 401(k) Review & Grade
Balfour Beatty LLC 401(k) Plan
Dallas, TXConstruction1,678 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,330Employer $ per active participant
$2,452Employee $ saved per active participant
0.19%Direct admin cost, % of plan assets
$82.3MNet plan assets, end of year
$84,461Average balance per account
Score breakdown
- Employer generosity20.5 / 5041th percentile for employer $ per participant
- Low cost14.0 / 2556th percentile for low admin cost vs. same-size plans
- Employee saving4.3 / 1529th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score42 / 100 · Grade D
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 41th |
| Lower admin cost | 56th |
| Employee saving | 29th |
| 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
- Balfour Beatty put in about $1,330 per active participant, below the typical peer ($1,672). 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.
- 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 | $2,230,387 |
| Participant (employee) contributions | $4,113,922 |
| Other contributions (incl. rollovers in) | $600,967 |
| Administrative expenses paid from the plan | $155,928 |
| Benefits paid out | $16,380,645 |
| Net assets, start / end of year | $82.3M / $82.3M |
| Active participants, start / end of year | 1,502 / 1,853 |
| Participants with account balances | 975 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cohnreznick LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $98,728 reported compensation |
| Capfinancial Partners LLC DBA Captr | $30,000 reported compensation |
| Cohnreznick LLP | $27,200 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251012081122NAL0000049139001, received 2025-10-12, EIN 13-3015770, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.