Hunt, Guillot & Associates, LLC 401(k) Review & Grade
Hga 401(k) Plan and Trust
Ruston, LAProfessional, Scientific & Technical Services536 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,912Employer $ per active participant
$8,005Employee $ saved per active participant
0.41%Direct admin cost, % of plan assets
$59.6MNet plan assets, end of year
$102,567Average balance per account
Score breakdown
- Employer generosity31.6 / 5063th percentile for employer $ per participant
- Low cost7.4 / 2530th percentile for low admin cost vs. same-size plans
- Employee saving6.2 / 1541th 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: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 63th |
| Lower admin cost | 30th |
| Employee saving | 41th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $171,848 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Hunt, Guillot & Associates put in about $3,912 per active participant, more than the typical peer ($3,082). 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.
- Direct plan expenses (0.41% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $2,094,884 |
| Participant (employee) contributions | $4,286,417 |
| Other contributions (incl. rollovers in) | $984,596 |
| Administrative expenses paid from the plan | $222,367 |
| Contract administrator fees | $32,886 |
| Investment advisory & management fees | $146,889 |
| Benefits paid out | $3,379,740 |
| Net assets, start / end of year | $49.3M / $59.6M |
| Active participants, start / end of year | 497 / 574 |
| Participants with account balances | 581 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Weaver and Tidwell LLP |
Largest service providers (Schedule C)
| Argent Trust Company | $97,163 reported compensation |
| Empower Advisory Group, LLC | $49,726 reported compensation |
| Heard Mcelroy & Vestal, LLC | $42,886 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008105145NAL0005720081001, received 2025-10-08, EIN 72-1354146, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.