Sciens Building Solutions, LLC 401(k) Review & Grade
Sciens Building Solutions 401(k) Plan
Pleasanton, CAConstruction1,626 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$874Employer $ per active participant
$3,319Employee $ saved per active participant
0.29%Direct admin cost, % of plan assets
$73.3MNet plan assets, end of year
$57,252Average balance per account
Score breakdown
- Employer generosity14.0 / 5028th percentile for employer $ per participant
- Low cost10.5 / 2542th percentile for low admin cost vs. same-size plans
- Employee saving6.2 / 1541th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score31 / 100 · Grade D
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 28th |
| Lower admin cost | 42th |
| Employee saving | 41th |
| Peers that auto-enroll | 44% |
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Red flags from the filing
Corrective distributions: the plan refunded $6,204 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Sciens Building Solutions put in about $874 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.
- 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 | $1,421,240 |
| Participant (employee) contributions | $5,398,135 |
| Other contributions (incl. rollovers in) | $330,772 |
| Administrative expenses paid from the plan | $186,655 |
| Contract administrator fees | $92,924 |
| Investment advisory & management fees | $93,731 |
| Benefits paid out | $4,054,465 |
| Net assets, start / end of year | $56.1M / $73.3M |
| Active participants, start / end of year | 1,352 / 1,901 |
| Participants with account balances | 1,280 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Pivot Cpas |
Largest service providers (Schedule C)
| Capfinancial Partners LLC | $93,731 reported compensation |
| The Vanguard Group, Inc. | $92,923 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015091447NAL0002153587001, received 2025-10-15, EIN 30-0948178, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.