Buildertrend Solutions, Inc. 401(k) Review & Grade
Buildertrend Solutions, Inc. 401(k) Plan
Omaha, NEProfessional, Scientific & Technical Services802 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,822Employer $ per active participant
$8,345Employee $ saved per active participant
0.67%Direct admin cost, % of plan assets
$51.9MNet plan assets, end of year
$55,726Average balance per account
Score breakdown
- Employer generosity31.0 / 5062th percentile for employer $ per participant
- Low cost3.6 / 2514th percentile for low admin cost vs. same-size plans
- Employee saving6.7 / 1544th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score41 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 62th |
| Lower admin cost | 14th |
| Employee saving | 44th |
| Peers that auto-enroll | 48% |
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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
- Buildertrend Solutions put in about $3,822 per active participant, more than the typical peer ($3,082). 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.
- Direct plan expenses (0.67% 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 | $3,067,356 |
| Participant (employee) contributions | $6,696,701 |
| Other contributions (incl. rollovers in) | $866,282 |
| Administrative expenses paid from the plan | $309,445 |
| Contract administrator fees | $309,445 |
| Benefits paid out | $5,159,302 |
| Net assets, start / end of year | $40.8M / $51.9M |
| Active participants, start / end of year | 800 / 805 |
| Participants with account balances | 931 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | RSM US LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $305,544 reported compensation |
| Bridges Investment Management Inc | $115,438 reported compensation |
| Hub Investment Advisors, Inc. | $13,694 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009085208NAL0003755779001, received 2025-10-09, EIN 20-5132639, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.