Kellogg Brown & Root LLC 401(k) Review & Grade
Kellogg Brown & Root, Inc. Retirement and Savings Plan
Houston, TXConstruction7,944 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,971Employer $ per active participant
$5,460Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$3.9BNet plan assets, end of year
$161,405Average balance per account
Score breakdown
- Employer generosity34.7 / 5069th percentile for employer $ per participant
- Low cost19.7 / 2579th percentile for low admin cost vs. same-size plans
- Employee saving8.8 / 1559th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score63 / 100 · Grade B
This plan vs. peers
Peers: Construction plans with 2,500–9,999 active participants (76 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 69th |
| Lower admin cost | 79th |
| Employee saving | 59th |
| Peers that auto-enroll | 57% |
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Red flags from the filing
Corrective distributions: the plan refunded $4,564 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Kellogg Brown & Root put in about $2,971 per active participant, more than the typical peer ($1,965). 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 | $23,602,529 |
| Participant (employee) contributions | $43,371,488 |
| Other contributions (incl. rollovers in) | $5,077,471 |
| Administrative expenses paid from the plan | $1,454,022 |
| Investment advisory & management fees | $878,460 |
| Benefits paid out | $382,885,385 |
| Net assets, start / end of year | $2.0B / $3.9B |
| Active participants, start / end of year | 3,665 / 12,223 |
| Participants with account balances | 24,011 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Weaver and Tidwell LLP |
Largest service providers (Schedule C)
| Vanguard Advisers Inc. | $764,056 reported compensation |
| The Vanguard Group, Inc. | $546,662 reported compensation |
| Curcio Webb | $114,403 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260224145122NAL0002162641001, received 2026-02-24, EIN 20-3897734, plan #007, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.