Body Contour Centers, LLC 401(k) Review & Grade
Body Contour Centers, LLC 401(k) Plan
Bellevue, WAHealth Care & Social Assistance1,363 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$442Employer $ per active participant
$3,265Employee $ saved per active participant
1.45%Direct admin cost, % of plan assets
$14.3MNet plan assets, end of year
$10,558Average balance per account
Score breakdown
- Employer generosity16.0 / 5032th percentile for employer $ per participant
- Low cost0.7 / 253th percentile for low admin cost vs. same-size plans
- Employee saving8.9 / 1559th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score36 / 100 · Grade D
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 32th |
| Lower admin cost | 3th |
| Employee saving | 59th |
| Peers that auto-enroll | 36% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- Body Contour Centers put in about $442 per active participant, below the typical peer ($976). 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 (1.45% 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 | $602,572 |
| Participant (employee) contributions | $4,450,405 |
| Other contributions (incl. rollovers in) | $251,460 |
| Administrative expenses paid from the plan | $175,113 |
| Benefits paid out | $2,165,964 |
| Net assets, start / end of year | $9.8M / $14.3M |
| Active participants, start / end of year | 1,310 / 1,416 |
| Participants with account balances | 1,358 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $175,113 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013122008NAL0000585011001, received 2025-10-13, EIN 26-1848556, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.