Beck's Superior Hybrids, Inc. 401(k) Review & Grade
Employees' Savings Plan of Beck's Superior Hybrids, Inc.
Atlanta, INAgriculture, Forestry, Fishing & Hunting1,031 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,384Employer $ per active participant
$8,113Employee $ saved per active participant
0.12%Direct admin cost, % of plan assets
$109.1MNet plan assets, end of year
$92,141Average balance per account
Score breakdown
- Employer generosity37.2 / 5074th percentile for employer $ per participant
- Low cost17.6 / 2570th 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 score79 / 100 · Grade A
This plan vs. peers
Peers: Agriculture, Forestry, Fishing & Hunting plans with 500–2,499 active participants (118 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 74th |
| Lower admin cost | 70th |
| Employee saving | 95th |
| 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
- Beck's Superior Hybrids put in about $2,384 per active participant, more than the typical peer ($774). 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 | $2,458,359 |
| Participant (employee) contributions | $8,365,012 |
| Other contributions (incl. rollovers in) | $1,729,908 |
| Administrative expenses paid from the plan | $114,661 |
| Investment advisory & management fees | $28,641 |
| Benefits paid out | $3,522,092 |
| Net assets, start / end of year | $87.5M / $109.1M |
| Active participants, start / end of year | 1,001 / 1,061 |
| Participants with account balances | 1,184 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $86,020 reported compensation |
| Shepherd Financial Investment | $28,641 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250911094328NAL0000154643001, received 2025-09-11, EIN 35-1139823, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.