Hirschi Companies, LLC 401(k) Review & Grade
Hirschi Companies 401(k) Plan
North Las Vegas, NVConstruction612 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$319Employer $ per active participant
$605Employee $ saved per active participant
0.20%Direct admin cost, % of plan assets
$3.2MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity5.6 / 5011th percentile for employer $ per participant
- Low cost13.6 / 2554th percentile for low admin cost vs. same-size plans
- Employee saving0.7 / 155th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score13 / 100 · Grade F
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 11th |
| Lower admin cost | 54th |
| Employee saving | 5th |
| Peers that auto-enroll | 44% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($23,911 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Hirschi Companies put in about $319 per active participant, below the typical peer ($1,672). 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 reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $195,488 |
| Participant (employee) contributions | $370,307 |
| Other contributions (incl. rollovers in) | $30,548 |
| Administrative expenses paid from the plan | $5,561 |
| Contract administrator fees | $4,350 |
| Investment advisory & management fees | $811 |
| Other admin expenses | $400 |
| Benefits paid out | $137,622 |
| Net assets, start / end of year | $2.4M / $3.2M |
| Active participants, start / end of year | 548 / 676 |
| Participants with account balances | 213 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Velez & Hardy, Cpas |
Largest service providers (Schedule C)
| Arista Wealth Management | $12,893 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015123500NAL0002298419002, received 2025-10-15, EIN 86-1271617, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.