Haydon Companies, LLC 401(k) Review & Grade
Haydon Companies 401(k) Plan
Phoenix, AZConstruction606 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,718Employer $ per active participant
$4,934Employee $ saved per active participant
0.30%Direct admin cost, % of plan assets
$33.7MNet plan assets, end of year
$61,143Average balance per account
Score breakdown
- Employer generosity25.6 / 5051th percentile for employer $ per participant
- Low cost10.1 / 2541th percentile for low admin cost vs. same-size plans
- Employee saving9.5 / 1563th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score45 / 100 · Grade C
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 51th |
| Lower admin cost | 41th |
| Employee saving | 63th |
| Peers that auto-enroll | 44% |
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
Corrective distributions: the plan refunded $201,687 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Haydon Companies put in about $1,718 per active participant, more than the typical peer ($1,672). 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 | $1,041,744 |
| Participant (employee) contributions | $2,992,257 |
| Other contributions (incl. rollovers in) | $814,730 |
| Administrative expenses paid from the plan | $94,393 |
| Investment advisory & management fees | $42,783 |
| Benefits paid out | $4,177,013 |
| Net assets, start / end of year | $29.4M / $33.7M |
| Active participants, start / end of year | 547 / 666 |
| Participants with account balances | 551 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cbiz Cpas P.C. |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $51,610 reported compensation |
| Strategic Advisors, Inc. | $22,283 reported compensation |
| Sageview Advisory Group LLC | $20,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250911160857NAL0000963632001, received 2025-09-11, EIN 85-1885564, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.