PBK Architects, Inc. 401(k) Review & Grade
PBK Architects, Inc. 401(k) Profit Sharing Plan & Trust
Houston, TXProfessional, Scientific & Technical Services964 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$461Employer $ per active participant
$7,758Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$121.0MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity6.5 / 5013th percentile for employer $ per participant
- Low cost16.7 / 2567th percentile for low admin cost vs. same-size plans
- Employee saving6.0 / 1540th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score26 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 13th |
| Lower admin cost | 67th |
| Employee saving | 40th |
| Peers that auto-enroll | 48% |
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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 ($949 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $19,081 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- PBK Architects put in about $461 per active participant, below the typical peer ($3,082). 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $444,243 |
| Participant (employee) contributions | $7,475,087 |
| Other contributions (incl. rollovers in) | $1,799,690 |
| Administrative expenses paid from the plan | $146,566 |
| Investment advisory & management fees | $117,380 |
| Other admin expenses | $24,574 |
| Benefits paid out | $11,349,736 |
| Net assets, start / end of year | $101.3M / $121.0M |
| Active participants, start / end of year | 867 / 1,060 |
| Participants with account balances | 331 |
| Auto-enrollment (feature code 2S) | Yes |
Largest service providers (Schedule C)
| Wellth Advisory Services LLC | $101,786 reported compensation |
| Global Retirement Partners, LLC | $24,574 reported compensation |
| LPL Financial LLC | $15,594 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260312163634NAL0006800464001, received 2026-03-12, EIN 74-1975450, plan #001, plan year 2024-06-01 to 2025-05-31. Verify at efast.dol.gov.