Cobb, Fendley & Associates, Inc. 401(k) Review & Grade
Cobb, Fendley & Associates, Inc. 401(k) Profit Sharing Plan
Houston, TXProfessional, Scientific & Technical Services652 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,080Employer $ per active participant
$8,032Employee $ saved per active participant
0.00%Direct admin cost, % of plan assets
$70.1MNet plan assets, end of year
$83,496Average balance per account
Score breakdown
- Employer generosity25.0 / 5050th percentile for employer $ per participant
- Low cost24.8 / 2599th percentile for low admin cost vs. same-size plans
- Employee saving6.3 / 1542th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score66 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 50th |
| Lower admin cost | 99th |
| Employee saving | 42th |
| 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
- Cobb, Fendley & Associates put in about $3,080 per active participant, below the typical peer ($3,082). 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 | $2,008,204 |
| Participant (employee) contributions | $5,236,740 |
| Other contributions (incl. rollovers in) | $993,811 |
| Administrative expenses paid from the plan | $2,445 |
| Benefits paid out | $6,686,907 |
| Net assets, start / end of year | $60.5M / $70.1M |
| Active participants, start / end of year | 625 / 679 |
| Participants with account balances | 839 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Eepb |
Largest service providers (Schedule C)
| Jpmorgan Invest Holdings LLC | $2,445 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250923103147NAL0014545266001, received 2025-09-23, EIN 74-2192879, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.