Beazer Homes USA, Inc. 401(k) Review & Grade
Beazer Homes USA, Inc. 401(k) Plan
Atlanta, GAConstruction1,122 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,431Employer $ per active participant
$10,029Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$174.6MNet plan assets, end of year
$85,274Average balance per account
Score breakdown
- Employer generosity33.1 / 5066th percentile for employer $ per participant
- Low cost16.8 / 2567th percentile for low admin cost vs. same-size plans
- Employee saving14.2 / 1595th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score74 / 100 · Grade B
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 66th |
| Lower admin cost | 67th |
| Employee saving | 95th |
| 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
- Beazer Homes USA put in about $2,431 per active participant, more than the typical peer ($1,672). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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.
- 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 | $2,727,814 |
| Participant (employee) contributions | $11,252,963 |
| Other contributions (incl. rollovers in) | $1,840,354 |
| Administrative expenses paid from the plan | $217,235 |
| Investment advisory & management fees | $65,046 |
| Other admin expenses | $32,500 |
| Benefits paid out | $22,503,611 |
| Net assets, start / end of year | $159.3M / $174.6M |
| Active participants, start / end of year | 1,060 / 1,184 |
| Participants with account balances | 2,047 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Deloitte & Touche, LLP |
| Employer stock held by plan | $285,402 |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $119,739 reported compensation |
| Strategic Advisors, Inc. | $65,046 reported compensation |
| NFP Retirement, Inc | $32,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250623122928NAL0014666322001, received 2025-06-23, EIN 58-2086934, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.