BH Security, LLC 401(k) Review & Grade
BH Security, LLC 401(k) Savings Plan
Farmers Branch, TXInformation1,287 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,338Employer $ per active participant
$2,687Employee $ saved per active participant
0.19%Direct admin cost, % of plan assets
$57.5MNet plan assets, end of year
$61,747Average balance per account
Score breakdown
- Employer generosity11.3 / 5023th percentile for employer $ per participant
- Low cost13.8 / 2555th percentile for low admin cost vs. same-size plans
- Employee saving1.4 / 159th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score27 / 100 · Grade F
This plan vs. peers
Peers: Information plans with 500–2,499 active participants (310 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 23th |
| Lower admin cost | 55th |
| Employee saving | 9th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Corrective distributions: the plan refunded $643 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- BH Security put in about $1,338 per active participant, below the typical peer ($2,829). 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 | $1,722,091 |
| Participant (employee) contributions | $3,458,148 |
| Other contributions (incl. rollovers in) | $695,649 |
| Administrative expenses paid from the plan | $103,321 |
| Investment advisory & management fees | $16,241 |
| Benefits paid out | $5,733,609 |
| Net assets, start / end of year | $49.1M / $57.5M |
| Active participants, start / end of year | 1,301 / 1,273 |
| Participants with account balances | 932 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Dance, Bigelow, & Co., PC |
Largest service providers (Schedule C)
| Schwab Retirement Plan Services Inc | $103,321 reported compensation |
| Charles Schwab & Co., Inc. | $7 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251003103532NAL0001247697001, received 2025-10-03, EIN 74-2719343, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.