Justice Family Group, LLC 401(k) Review & Grade
Justice Family Group 401(k) Retirement Plan
White Sulphur Springs, WVMining, Oil & Gas646 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$317Employer $ per active participant
$2,032Employee $ saved per active participant
0.59%Direct admin cost, % of plan assets
$18.7MNet plan assets, end of year
$45,183Average balance per account
Score breakdown
- Employer generosity0.8 / 502th percentile for employer $ per participant
- Low cost4.6 / 2518th percentile for low admin cost vs. same-size plans
- Employee saving0.4 / 152th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-18 pts3 issues reported on the filing
Total score0 / 100 · Grade F
This plan vs. peers
Peers: Mining, Oil & Gas plans with 500–2,499 active participants (129 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 2th |
| Lower admin cost | 18th |
| Employee saving | 2th |
| Peers that auto-enroll | 60% |
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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 ($786,188 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Auditor disclaimer: the auditor issued a disclaimer of opinion.
Corrective distributions: the plan refunded $53,683 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Justice Family Group put in about $317 per active participant, below the typical peer ($4,357). 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.
- Direct plan expenses (0.59% 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.
- 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 | $204,825 |
| Participant (employee) contributions | $1,313,774 |
| Other contributions (incl. rollovers in) | $162,645 |
| Administrative expenses paid from the plan | $107,571 |
| Investment advisory & management fees | $44,736 |
| Benefits paid out | $3,050,800 |
| Net assets, start / end of year | $18.1M / $18.7M |
| Active participants, start / end of year | 654 / 639 |
| Participants with account balances | 413 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Hess, Stewart & Campbell, PLLC |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $62,836 reported compensation |
| Davenport & Company LLC | $44,736 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251016113739NAL0006262145001, received 2025-10-16, EIN 26-4812818, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.