Koury Corporation 401(k) Review & Grade
Koury Corporation 401(k) / Profit Sharing Retirement Plan
Greensboro, NCReal Estate & Rental869 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$854Employer $ per active participant
$1,752Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$23.5MNet plan assets, end of year
$26,547Average balance per account
Score breakdown
- Employer generosity18.4 / 5037th percentile for employer $ per participant
- Low cost19.8 / 2579th percentile for low admin cost vs. same-size plans
- Employee saving3.1 / 1521th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score44 / 100 · Grade D
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 37th |
| Lower admin cost | 79th |
| Employee saving | 21th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Koury put in about $854 per active participant, below the typical peer ($1,279). 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.
- 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 | $741,890 |
| Participant (employee) contributions | $1,522,728 |
| Other contributions (incl. rollovers in) | $70,753 |
| Administrative expenses paid from the plan | $17,535 |
| Investment advisory & management fees | $8,121 |
| Benefits paid out | $3,578,854 |
| Net assets, start / end of year | $21.1M / $23.5M |
| Active participants, start / end of year | 872 / 866 |
| Participants with account balances | 884 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bernard Robinson & Company, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $9,414 reported compensation |
| Strategic Advisors, Inc. | $8,121 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013065131NAL0000334355001, received 2025-10-13, EIN 56-6030766, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.