HHS Human Capital, Inc. 401(k) Review & Grade
HHS Human Capital, Inc. 401k Plan
Plano, TXConstruction1,117 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,693Employer $ per active participant
$8,488Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$116.4MNet plan assets, end of year
$91,607Average balance per account
Score breakdown
- Employer generosity35.7 / 5071th percentile for employer $ per participant
- Low cost13.1 / 2552th percentile for low admin cost vs. same-size plans
- Employee saving13.3 / 1589th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score55 / 100 · Grade C
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 71th |
| Lower admin cost | 52th |
| Employee saving | 89th |
| Peers that auto-enroll | 44% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
What to do if you're in this plan
- HHS Human Capital put in about $2,693 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 | $3,008,238 |
| Participant (employee) contributions | $9,480,946 |
| Other contributions (incl. rollovers in) | $677,609 |
| Administrative expenses paid from the plan | $228,322 |
| Investment advisory & management fees | $108,073 |
| Benefits paid out | $9,950,474 |
| Net assets, start / end of year | $98.7M / $116.4M |
| Active participants, start / end of year | 1,114 / 1,120 |
| Participants with account balances | 1,271 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Forvis, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $120,249 reported compensation |
| Strategic Advisors, Inc. | $58,073 reported compensation |
| Regions Bank | $50,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250730122741NAL0006620656001, received 2025-07-30, EIN 47-4612978, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.