SG Administration, LLC 401(k) Review & Grade
SG Administration, LLC 401(k) Savings and Investment Plan
Selma, TXConstruction668 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$5,675Employer $ per active participant
$7,276Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$118.8MNet plan assets, end of year
$143,860Average balance per account
Score breakdown
- Employer generosity45.0 / 5090th percentile for employer $ per participant
- Low cost17.7 / 2571th percentile for low admin cost vs. same-size plans
- Employee saving12.5 / 1583th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score75 / 100 · Grade A
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 90th |
| Lower admin cost | 71th |
| Employee saving | 83th |
| Peers that auto-enroll | 44% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
What to do if you're in this plan
- SG Administration put in about $5,675 per active participant, more than the typical peer ($1,672). 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $3,791,054 |
| Participant (employee) contributions | $4,860,696 |
| Other contributions (incl. rollovers in) | $397,627 |
| Administrative expenses paid from the plan | $125,997 |
| Contract administrator fees | $1,200 |
| Investment advisory & management fees | $42,669 |
| Other admin expenses | $55,168 |
| Benefits paid out | $9,192,675 |
| Net assets, start / end of year | $103.7M / $118.8M |
| Active participants, start / end of year | 617 / 719 |
| Participants with account balances | 826 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Weaver and Tidwell, L.L.P. |
Largest service providers (Schedule C)
| If Advisors, LLC | $55,168 reported compensation |
| Strategic Advisors, Inc. | $42,669 reported compensation |
| Fidelity Investments Institutional | $28,160 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250925164727NAL0019930306001, received 2025-09-25, EIN 30-0135502, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.