Ep Loya Group, LP 401(k) Review & Grade
Fred Loya Insurance 401(k) Retirement Plan
El Paso, TXFinance & Insurance1,914 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$503Employer $ per active participant
$896Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$24.7MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity2.7 / 505th percentile for employer $ per participant
- Low cost18.3 / 2573th percentile for low admin cost vs. same-size plans
- Employee saving0.2 / 151th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score24 / 100 · Grade F
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 5th |
| Lower admin cost | 73th |
| Employee saving | 1th |
| Peers that auto-enroll | 62% |
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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
- Ep Loya Group, LP put in about $503 per active participant, below the typical peer ($3,606). 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.
- 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 | $963,394 |
| Participant (employee) contributions | $1,715,491 |
| Other contributions (incl. rollovers in) | $0 |
| Administrative expenses paid from the plan | $23,664 |
| Benefits paid out | $1,729,961 |
| Net assets, start / end of year | $20.8M / $24.7M |
| Active participants, start / end of year | 2,037 / 1,791 |
| Participants with account balances | 554 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Weaver and Tidwell, L.L.P. |
Largest service providers (Schedule C)
| Jpmorgan Invest Holdings LLC | $15,062 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014153930NAL0001629411001, received 2025-10-14, EIN 81-0586757, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.