Boys & Girls Clubs of America National 401(k) Review & Grade
Boys & Girls Clubs of America National 401(k) Plan
Atlanta, GAOther Services556 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$6,956Employer $ per active participant
$7,924Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$104.8MNet plan assets, end of year
$136,933Average balance per account
Score breakdown
- Employer generosity47.4 / 5095th percentile for employer $ per participant
- Low cost20.9 / 2584th percentile for low admin cost vs. same-size plans
- Employee saving13.3 / 1589th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score85 / 100 · Grade A
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 95th |
| Lower admin cost | 84th |
| Employee saving | 89th |
| Peers that auto-enroll | 40% |
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
- Boys & Girls Clubs of America National put in about $6,956 per active participant, more than the typical peer ($1,257). 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.
- 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 | $3,871,100 |
| Participant (employee) contributions | $4,409,919 |
| Other contributions (incl. rollovers in) | $1,524,238 |
| Administrative expenses paid from the plan | $59,831 |
| Benefits paid out | $6,694,969 |
| Net assets, start / end of year | $87.9M / $104.8M |
| Active participants, start / end of year | 557 / 556 |
| Participants with account balances | 765 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Warren Averett |
Largest service providers (Schedule C)
| Milliman, Inc. | $59,831 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250930141420NAL0012381121001, received 2025-09-30, EIN 13-5562976, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.