Ontivity, LLC 401(k) Review & Grade
Ontivity 401(k) Plan
New Braunfels, TXConstruction730 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,274Employer $ per active participant
$3,391Employee $ saved per active participant
0.47%Direct admin cost, % of plan assets
$20.6MNet plan assets, end of year
$43,441Average balance per account
Score breakdown
- Employer generosity19.9 / 5040th percentile for employer $ per participant
- Low cost6.3 / 2525th percentile for low admin cost vs. same-size plans
- Employee saving6.3 / 1542th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score36 / 100 · Grade D
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 40th |
| Lower admin cost | 25th |
| Employee saving | 42th |
| Peers that auto-enroll | 44% |
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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
- Ontivity put in about $1,274 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.
- Direct plan expenses (0.47% 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 | $929,586 |
| Participant (employee) contributions | $2,473,891 |
| Other contributions (incl. rollovers in) | $46,161 |
| Administrative expenses paid from the plan | $89,093 |
| Contract administrator fees | $62,361 |
| Investment advisory & management fees | $26,732 |
| Benefits paid out | $2,483,818 |
| Net assets, start / end of year | $17.4M / $20.6M |
| Active participants, start / end of year | 772 / 687 |
| Participants with account balances | 475 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Wipfli LLP |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $62,361 reported compensation |
| Kestra Advisory Services. | $26,732 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008151426NAL0005747617001, received 2025-10-08, EIN 81-1556522, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.