Bus Company Holdings US, LLC 401(k) Review & Grade
Bus Company Holdings US, LLC 401(k) Savings Plan
Paramus, NJTransportation & Warehousing1,728 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$639Employer $ per active participant
$2,972Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$73.4MNet plan assets, end of year
$30,553Average balance per account
Score breakdown
- Employer generosity16.4 / 5033th percentile for employer $ per participant
- Low cost13.3 / 2553th percentile for low admin cost vs. same-size plans
- Employee saving7.3 / 1548th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score44 / 100 · Grade D
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 33th |
| Lower admin cost | 53th |
| Employee saving | 48th |
| Peers that auto-enroll | 37% |
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Red flags from the filing
Corrective distributions: the plan refunded $34,928 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Bus Company Holdings US put in about $639 per active participant, below the typical peer ($1,070). 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.
- 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 | $1,103,879 |
| Participant (employee) contributions | $5,135,772 |
| Other contributions (incl. rollovers in) | $207,358 |
| Administrative expenses paid from the plan | $153,671 |
| Investment advisory & management fees | $17,766 |
| Other admin expenses | $7,969 |
| Benefits paid out | $18,010,956 |
| Net assets, start / end of year | $75.7M / $73.4M |
| Active participants, start / end of year | 2,285 / 1,171 |
| Participants with account balances | 2,401 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $127,936 reported compensation |
| Strategic Advisors, Inc. | $17,766 reported compensation |
| Cliftonlarsonallen LLP | $7,969 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260409132816NAL0007128003001, received 2026-04-09, EIN 99-3479962, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.