Bost, Inc. 401(k) Review & Grade
Bost, Inc. 401(k) Retirement Plan
Fort Smith, ARHealth Care & Social Assistance590 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$549Employer $ per active participant
$828Employee $ saved per active participant
0.64%Direct admin cost, % of plan assets
$9.2MNet plan assets, end of year
$28,217Average balance per account
Score breakdown
- Employer generosity18.7 / 5037th percentile for employer $ per participant
- Low cost3.9 / 2515th percentile for low admin cost vs. same-size plans
- Employee saving2.8 / 1518th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score28 / 100 · Grade F
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 37th |
| Lower admin cost | 15th |
| Employee saving | 18th |
| 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
- Bost put in about $549 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 (0.64% 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.
- 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 | $323,668 |
| Participant (employee) contributions | $488,479 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $56,906 |
| Other admin expenses | $56,906 |
| Benefits paid out | $1,127,800 |
| Net assets, start / end of year | $8.5M / $9.2M |
| Active participants, start / end of year | 585 / 595 |
| Participants with account balances | 326 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Little, Shaneyfelt, Marshall & Co |
Largest service providers (Schedule C)
| First National Bank of Fort Smith | $29,545 reported compensation |
| Future Capital | $27,361 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260223124538NAL0001009761001, received 2026-02-23, EIN 71-0539738, plan #001, plan year 2024-07-01 to 2025-06-30. Verify at efast.dol.gov.